Insurance for Tattoo & Body Piercing Shops

Don’t let poor insurance do permanent damage to your client’s tattoo or body piercing business.

Tattoos and body piercing, once considered to only be done by fringe members of society, is now common among adults of all ages and social classes. With tattoos and piercings growing in popularity, proper insurance coverage is vitally important because the number of lawsuits against tattoo artists and piercing experts is on the rise. Protect clients in these businesses and their employees from financial disaster.

close up of tattoo artist working

Types of Coverage for Tattoo & Body Piercing Shops

  • General liability: This will provide coverage for personal injuries or property damage sustained by a customer.
  • Commercial general liability: Provides coverage for bodily injury or property damage that occurs on your the premises or that occurs as a result of a service provided by your customer, including: 
    •  Slips and falls
    •  Advertising liability
    • Libel and slander
    • Injury or harm to a client while receiving or after receiving a tattoo
  • Professional liability: The policy will cover the business owner, as well as any named employees in their shop from malpractice, when an artist or piercer should severely injure someone or does work that this is clearly substandard. Given the permanence of tattoos, lawsuits for extremely poor work are to be expected.
  • Communicable disease liability insurance: Protects shop owners if a client is sickened by a blood-borne illness. 
  • Property Damage Coverage: Protects the shop owner's personal property on the premises in the case of theft, vandalism, fire, weather events, and other covered perils.
    earrings

    Other Coverage Options

    • Guest artist or piercer insuranceThis type of coverage allows the business owner to add an additional temporary employee onto their coverage for a limited amount of time.  
    • Coverage at conventions: Sometimes tattoo artists want to display their work at conventions.  This coverage provides liability and property damage coverage while your client is working off-sight and is regularly required by convention hosts. 
    • Sexual abuse insurance: Some customers of your client may request tattoos in intimate areas. It is always important for your client to protect their business against improper physical contact. If a customer claims sexual abuse, even if the claims are baseless, your client will need to obtain legal defense. This coverage will provide compensation for any financial losses incurred as a result of the sexual abuse suit.