 If you own a tattoo parlor, you may need more than just your general liability insurance to protect your business. Tattoo parlors present unique risks, and therefore require unique insurance coverage.
Apprentice Program Insurance
In many states, the only way to learn the art of being a tattoo artist is through apprenticeship programs. If you offer apprenticeship programs through your business, you need to purchase apprentice program insurance. This will allow your other insurance policies to extend to any of your apprentices as it does your regular employees.
Permanent Makeup Insurance
If you help individuals get "permanent makeup" through the use of a tattoo needle, you will want to get permanent makeup insurance. Permanent makeup is applied to very sensitive parts of one's body, namely around one's eyes and mouth. If a client were to suffer an infection or suffer damage to their eyes, you could be facing a very large lawsuit. Permanent makeup falls outside of regular tattoo insurance coverage. If you offer this service, make sure you have the right coverage to back it up as well.
Guest Artist/Piercer Insurance
If you allow a guest artist or guest piercer to work in your shop for a short amount of time, you need to purchase guest artist/piercer insurance to cover any work they do for your business. This allows you to add someone temporarily to your insurance policies.
Sexual Abuse Insurance
If you allow your artist to apply tattoos on intimate areas for customers, you may want to look into getting sexual abuse insurance. That way, if a customer claims that anything inappropriate took place while they were getting their tattoo, you will have the insurance you need to defend yourself. You should also make sure you have precautions in place to prevent improper physical contact from occurring. It is a good idea to have someone else in the room at all times as a witness when a tattoo is being applied to an intimate area of a customer's body.
Tattoo businesses come with some unique risks due to the nature of the work. Make sure your business is protected by getting the right types of insurance.
Protect your tattoo parlor today. Call All About Insurance at (817) 589-0006 for more information on Dallas business insurance.
Posted Tuesday, January 06 2015 11:00 AM
Tags : tattoo parlors, liability, business insurance, insurance, Dallas, Texas, Dallas TX insurance
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