Tattoo Shop Coverage Overview
InkShopGuard is an insurance program specifically designed to meet the insurance coverage needs for Tattoo, Piercing, and Barber Shops. Our goal is to eliminate any insurance gaps that could harm you or your business. The coverage package is outlined below.
Property Coverage
Building Coverage
Why do you need it?
If you own the building where your shop is located, you need building coverage in case of damage to the building caused by weather incidents, accidents, theft, and more. If you rent your shop location, you can obtain "walls-in" coverage for the property.
Business Personal Property
Why do you need it?
This coverage protects the assets you own that are inside the premises in case it is damaged or stolen by a covered peril. This can include furniture, equipment, artwork and jewelry.
Business Income
Why do you need it?
This coverage can help provide you with reimbursement for the income you miss out on in the event of a covered property loss that renders you unable to operate your normal business.
Liability Coverage
Your General Liability insurer will pay to defend you in court if a third party claim is made against you, including attorney fees and court fees, and is responsible for paying out any judgements within your coverage limits. The following liability coverages are included with InkShopGuard. Importantly, this coverage extends to you and your employees while attending events or conventions.
Premises Liability
Products & Completed Operations
Communicable Disease
Why you need it?
Premises Liability coverage can help protect your business if a claim is made against your shop involving bodily injury, property damage caused by your negligence, and other such third party claims. This could include a client who slips and falls on the premises.
InkShopGuard offers coverage limit options, with a maximum of $1,000,000 for an individual incident with a $2,000,000 aggregate limit per policy period.
Communicable Disease
Products & Completed Operations
Communicable Disease
Why you need it?
If a client alleges they contracted an infectious or transmissible disease as a result of your negligence, this coverage means your insurer will defend you and/or your shop.
InkShopGuard offers limits from $25,000 to $100,000 per policy period for this coverage.
Products & Completed Operations
Products & Completed Operations
Products & Completed Operations
Why you need it?
Protects you if a client brings a claim against you for faulty workmanship or selling them defective products. "No Regerts," anyone?
InkShopGuard offers a coverage limit of $1,000,000 per occurence, with a maximum of $2,000,000 per policy period.
Personal & Advertising Injury
Personal & Advertising Injury
Products & Completed Operations
Why you need it?
This coverage means your insurer will defend you and/or your shop if named in a libel or slander lawsuit brought on by a client or potential client.
InkShopGuard offers a limit of $1,000,000 per policy period for this coverage.
Abuse & Molestation
Personal & Advertising Injury
Abuse & Molestation
Why you need it?
This coverage protects you should a client or potential client allege bodily injury or emotional distress resulting from sexual abuse, molestation, or exploitation (including kidnapping) against you or one of your employees.
Sublimit options of $25,000 to $100,000 per policy period are available.
Assault & Battery
Personal & Advertising Injury
Abuse & Molestation
Why you need it?
If you or an employee becomes involved in a physical altercation on the shop premises resulting in a claim of bodily injury, this coverage provides you with legal defense and indemnification.
Sublimit options of $25,000 to $100,000 per policy period are available.
Optional Additions
You have the option to add these property and liability coverages to your shop's insurance package.
- Employment Practices Liability - Covers you if your employees allege wrongful termination, discrimination, sexual harassment and/or failure to promote.
- Worker's Compensation - Coverage if an employee is injured during the course of employment, providing medical benefits and wage reimbursement.
- Hired/Non-Owned Auto - If you or your employees use your personal or rented automobiles for business errands or trips, this coverage would extend if (during one of these errands), you or your employee is the cause of an accident.
- Equipment Breakdown - Extends your property coverage if damage is caused by the breakdown of failure of equipment on the premises such as heating, A/C, elevators, electrical panels, etc.
Coverage for independent contractors
If your artists are independent contractors, the coverages listed above do not extend to them or their work. It is recommended that you require they carry their own liability policy with your shop listed as an Additional Insured to protect both of you.
Let's talk.
We are happy to discuss your insurance needs in more depth. To get started, click below.
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