Types of Insurance Coverage
Tattoo artists face unique risks in their profession and therefore need specific types of insurance to protect against potential liabilities. Here are the main types of insurance a tattoo artist should consider:
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Professional Liability Insurance: This provides protection if a client sues over dissatisfaction with a tattoo or a bad reaction.
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General Liability Insurance: Offers coverage for bodily injury, property damage, and personal injury that may occur on your premises or due to your operations, such as a client slipping and falling in your tattoo studio.
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Treatment Risk Insurance: Although Public Liability Insurance does not protect against these claims, treatment risk insurance covers instances where a client is unhappy with the tattoo design or has a bad skin reaction.
Business Considerations and Costs
- Business Insurance: Vital for covering equipment that could be broken or stolen, with customizable policies offering up to £10,000 in equipment cover and £5 million in treatment cover.
- Disability: As an independent contractor, you pay both employee and employer social security tax. However, if disabled, you might be eligible for reduced insurance costs.
Liability and Professional Risks
- Responsibility: Tattooists are responsible for the lifetime of their work, including bad tattoos and potential injuries or infections caused by their work.
- Reputation: A few mistakes can significantly impact your social standing and reputation.
- Legal Age: In the UK, individuals must be 18 years old to get a tattoo legally.
Cost Considerations
The cost of insurance for a small tattoo parlor generally ranges between $57 to $79 per month, depending on several factors such as location, size, and experience.
Creative Rewards and Social Challenges
Despite the responsibilities and risks, tattooing fulfills the creative and artistic drives of tattooists. High-quality tattoos can command high prices, making tattooing a rewarding profession. However, the potential for mistakes and the societal view of tattoo artists means that reputation and responsibility weigh heavily on professionals in the industry.
Conclusion: Insurance is a Must
Having the right insurance is crucial for tattoo artists to protect themselves against claims and to ensure their business’s longevity. It not only covers potential damages and legal expenses but also provides peace of mind, allowing artists to focus on their creative work.