Business liability insurance for tattoo artists and piercer
Business liability insurance provides a livelihood for tattoo artists and piercers. Especially in a profession that involves daily interventions on the human body, it is particularly important in an emergency to have a reliable partner who will have your back financially if a mistake occurs. Your customers trust you, so the reaction is even more violent if the results don't meet your customer's expectations. Sterile and clean work is certainly a must in your studio, but mistakes or oversights can still happen.
The tattoo deviates from the original or the customer's skin causes “problems”. You can then claim compensation or compensation for pain and suffering. And you have to pay for the damage caused. Demands of this type can quickly rise into the five-figure range and sometimes threaten your existence. That’s why business liability insurance is essential for operators of a tattoo studio/piercing studio. Nevertheless, as a tattoo artist you should compare the individual providers. Because the contract rules state when and to what extent your insurance company will settle damages for you. To ensure that you don’t get a nasty surprise in an emergency, you should carefully examine the small print.
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Compare the offers for your business liability now
When should business liability insurance cover expanses?
In general, all operational services of your studio should be insured. That means tattoos, piercings, branding, i.e. all body modifications for which you or your employees are qualified.
Business liability for tattoo artists/piercers covers claims for pain and suffering, claims for damages for property damaged by their customers while they are in your studio and the costs of laser treatment to remove unsuccessful tattoos. Also environmental damage, i.e. if the environment has been damaged directly or indirectly by interventions or substances from your studio.
Shortly, your business liability works for:
Personal injury, through infections, allergic reactions, etc.
Damage to property, for example a pair of trousers is stained with paint, or a jacket is stolen from the wardrobe, etc.
Damage to property, for example a pair of trousers is stained with paint, or a jacket is stolen from the wardrobe, etc.
Unjustified claims, which means that if you are not to blame for the plaintiff's damage, the company's liability insurance pays the necessary lawyers or reports
Environmental damage, for example from paint or cleaning agents
Additional components for business liability insurance
Financial loss liability within business liability.
Some service or consulting professions require property liability insurance as a supplement to business liability insurance. As a result, financial damage can occur because of incorrect advice or provision of services. This insurance offers you protection against financial damage, i.e. financial loss.
Business liability including personal liability.
There are insurers who offer business liability insurance with the addition of personal liability, often at no extra charge. In addition to commercial insurance coverage, insurance coverage is also extended to the private sector of the self-employed. Private liability insurance covers damage caused to third parties in your private environment, including protection for you and your family. As with business liability insurance, personal liability insurance always covers personal liability, property damage and consequential financial damage.
These factors influence your insurance premium for your own studio
1.
The most important factor is the amount of coverage for personal injury, i.e. the maximum amount the insurance company has to pay in the event of a legitimate claim for damages. Three million are usual. Especially as a tattoo artist/piercer, you shouldn't save money here and choose a higher coverage amount.
2.
Your employees or guest tattoo artists can be included in your company liability insurance. Very often even at no extra charge.
3.
Your annual turnover also affects the amount of your contribution, which ensures that business liability insurance is affordable for every studio operator
