Mankind has used tattoos for thousands of years.
This decorative art form continues to be a growing attraction throughout
the world today.
A 2003 Harris survey estimates that twenty
percent of American households, forty five million Americans, have one
or more tattoos. In 2006 the American Academy of Dermatology found
thirty-six percent of all Americans between 18 and 29 had tattoos.
There are over 20,000 tattoo parlors operating in
the United States with at least one new parlor opening every day. Tattooing was ranked as the sixth
fastest growing retail venture of the 1990's, right behind internet,
paging services, bagels, computers and cell phones and has shown no
signs of slowing down.
"A man without tattoos is
invisible to the Gods."
Iban Proverb - Mingatt Anak Casa (Akai
Iban Headman on the Sekerang River, Sarawak, Borneo
Tattooing is often a magical rite in the more traditional cultures, and
the tattooist is respected as a priest or shaman." ---- Michelle Delio
Why Do I Need
The business general
liability, commonly referred to as CGL, provides
comprehensive coverage for operational exposures
such as your premises, sub-contractors and products
liability. The CGL policy does not cover your
professional liability for mistakes inherent in the
practice of your profession. This
exclusion applies not only to bodily injury and property
damage but also to pure economic loss. The
Professional Liability policy protects you against
negligent acts, errors or omissions during the course of
providing your professional services.
What Does The
Business General Liability Policy Cover?
policy was specifically designed to protect your
business anywhere in the United States, it's territories
or Canada. The general liability policy will pay
the damages imposed upon you or your business by the
law. It also pays the cost of defending you when a
claim is made against your policy. Coverage is
written on a full occurrence basis by an Admitted, A
rated US insurance company and is tailored to fit your
specific event needs. The policy can also add your
landlord, sponsors, volunteers and independent
contractors as additional insureds.
Communicable disease liability insurance
Clean equipment and unused sterilized
needles are extremely important when doing tattoos and piercings. As a
tattoo shop owner, you likely take great care to protect the health of
your customers. For example, you may face a lawsuit if a client is
sickened by a blood-borne illness. Sometimes, these lawsuits bear no
merit, but you will still need to defend yourself, often at a great
cost. This coverage can protect you from such losses.
Apprenticeship program insurance
Most tattoo artists learn their trade through
apprenticeship programs. If you offer this in your shop, this coverage
will permit your policy to cover your apprentice, within limitations, as
it does your named employees.
Guest artist or piercer insurance
Similar to the apprentice program coverage, this will
allow you to add an additional temporary employee onto your coverage for
a limited amount of time. This coverage is less restrictive that
Coverage at conventions
Sometimes you may want to display your talents and do
tattoo work at conventions. This coverage will provide you with
liability and property damage coverage while you are working off-site,
and is often required by convention hosts if you plan to do work at the
Permanent makeup insurance
If your shop offers permanent
makeup services, such as lip-liner, eye-liner or brow tattooing,
you will need to be sure to have coverage for these services.
Eye-liner tattoos, in particular, present the risk of damage to
the customerís eye and this can result in a hefty lawsuit. All
permanent makeup tattoo artists in your shop must be properly
certified in order for you to have this coverage.
Insurance vs Additional Insured Endorsement
renting a premises or attending a special event you will
often be asked to provide a certificate of insurance
to verify the existence of insurance coverage under
More specifically, the document lists the effective date
of the policy, the type of insurance coverage purchased,
and the types and dollar amount of applicable liability.
Frequently, another party such as the venue or a sponsor
will ask to be named as an additional insured on your
policy. The additional insured then enjoys the
benefits of being insured under your policy your for
negligent acts and omissions but not for his own
What is Waiver of Subrogation?
a contract or lease agreement will
require one or both parties to waive their rights of
means one party has the right to "step into the shoes"
of another party for the purposes of bringing a claim
for damages. Suppose you experience a financial
loss due to the negligence of a third party.
Normally you could sue the responsible party for full
restitution but if your insurance company pays the claim
your insurer is then subrogated to your claim against
the negligent party. In essence, your insurance
company has been given your rights of recovery after
paying your claim. Before you sign a contract
containing a waiver of subrogation, check with your
insurance agent to be sure you are not violating any of
the terms of your insurance policy. If your policy
will not permit a waiver, you may be in danger of losing
your insurance coverage, leaving you without policy
proceeds or a cause of action against the other party.
If the insurance company does permit a waiver of
subrogation, it may be necessary to obtain an
endorsement to the policy and, in some cases, pay an
What is Third Party Property Damage Liability (Care,
Custody, Control Liability)
Most liability policies have provisions that exclude
coverage for physical damage or loss to property while
it is in the care, custody or control of the insured.
Care, Custody, Control Liability (also known as Third
Party Property Damage) is an optional coverage that will
pay for direct physical damage the the rented premises.
Also known as contents coverage, this insurance provides
compensation for losses to your tattoo guns, body
jewelry, chairs, tables, and flash. Covered losses
generally include those caused by fire, severe weather,
vandalism and theft. Some weather events, such as
earthquakes, may require additional endorsements, or
riders, for you to have coverage.
Be aware that flood damage is almost
always excluded from business insurance coverage, so if
your business is located in a flood-prone area, you will
need a business flood insurance policy as well. An agent
in the Trusted Choice network can provide you with more
information about NFIP-backed flood insurance and can
help you secure a policy if you feel this coverage is
Claims Made Insurance - Claims Made vs Occurrence Form Liability