Tattoo Insurance Explained – What type of cover does a Tattooist need?
Running a busy Tattoo studio and enjoying an income from your passion can be highly rewarding. However, it’s important not to overlook some of the less glamorous tasks such as arranging appropriate Tattoo Insurance.
Due to the specialist nature of the tattoo industry, it is important to examine and understand all the specific risks and to arrange bespoke cover to meet your exacting needs.
The following is some of the key areas we typically recommend for tattoo artists and / or studios.
1. Professional Liability
As an expert in your field, a tattoo artist has a duty of care to his or her clients for the quality and safety of the work undertaken. Should a client feel that you have been negligent, or you are accused of making a mistake, you could find yourself on the end of a legal challenge for compensation.
Tattooists Professional Liability Insurance provides indemnity against negligence (or the accusation of negligence) made against you or your business. For example, a client accuses you of a spelling mistake or misinterpretation of a Japanese symbol. Similarly, if you received a compensation claim sighting the general quality of your work, this could be defended by your professional liability insurance policy.
2. Treatment Risk Indemnity
Treatment risk provides indemnity following claims for injury or illness as a direct result of the tattoo application (treatment). Should a client suffer an infection following a tattoo sitting, they could seek compensation from you.
Treatment cover is absolutely critical for a tattooist and we would strongly recommend that you check you policy, or any quotation, carefully to ensure that this is included.
Similarly, it is also important to consider an adequate limit of indemnity for treatment risk exposures. Medical costs and expenses can be significant, as such, limits of £500,000 to £1,000,000 should be considered more appropriate as a minimum.
Whilst some specialist insurers such as Tattoo Safe will provide Treatment Risk Indemnity as part of standard professional liability cover, a more basic liability or shop policy is unlikely to offer treatment protection and may leave your business significantly exposed.
3. Public Liability
As a tattooist you are working with clients and other members of the public on a daily basis. Public Liability provides indemnity for injury or damage to property as a result of the actions of you or your employees.
For example, a client trips over a loose mat or carpet tile and breaks their ankle. The import point of note is that this will normally exclude claims resulting for the application of a tattoo – which is why you require treatment indemnity as outlined above.
4. Employers Liability
Should you employee anyone within your business, even on a part time basis, you are required by law to purchase Employers Liability Insurance cover - as outlined in the Employers Liability (Compulsory Insurance) Act 1969.
Employers Liability provides cover for your legal liabilities following injury to an employee during the course of their employment for which you could be held legally liable. For example, an assistant suffers an electric shock from a loose cable connection.
Failure to arrange adequate protection can result in fines of up to £2,500 per day from the Health and Safety Executive (HSE), plus the additional costs and compensation emanating from any employee injury claims.
5. Design and / or Copyright Infringement
The nature of art and design can quickly lead to design or copyright challenges from third parties who claim plagiarism of their work. Whilst the majority of a tattoo artist’s work may involve bespoke designs, clients may often bring ideas with them, which, if recreated, could lead to an infringement claim.
Tattoo Safe’s specialist wording will extend to protect design and copyright challenges as standard, however it is always best practice to check any design provided by a client carefully before your commence the work.
6. Business Contents, Stock & Equipment
We don’t need to tell you just how expensive tattoo machines and equipment can be! With that in mind, it is vital to make sure that you have adequate protection against fire, flood, theft or other such risks.
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Tattoo Safe provides tailored and specialist cover for the tattoo industry, our policy has been carefully constructed working alongside industry experts.
Whether you rent a room in a salon or operate your own studio, cover can be provided to meet your exacting requirements.
Contact one of our Tattoo Insurance experts today for a free consultation and quotation.