Tattoo Shop Coverage Overview
InkShopGuard is an insurance program specifically designed to meet the insurance coverage needs for tattoo shops and piercing studios. 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
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
This coverage protects the assets you own that are inside the premises in case it is damaged by a covered peril or stolen. This can include furniture, equipment, artwork and jewelry.
Business Income
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 judgments within your coverage limits. The following liability coverages are included with InkShopGuard. Importantly, this coverage extends worldwide to you and your employees while attending events or conventions.
Premises Liability
Personal & Advertising Injury
Professional Liability
This 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.
Professional Liability
Personal & Advertising Injury
Professional Liability
Professional Liability coverage protects you if a client claims a mistake in your professional services resulted in a loss. This coverage is commonly referred to as Errors & Omissions insurance.
Products & Completed Ops
Personal & Advertising Injury
Personal & Advertising Injury
Products & Completed Operations coverage protects you if a client brings a claim against you for faulty workmanship or selling them defective products. "No Regerts," anyone?
Personal & Advertising Injury
Personal & Advertising Injury
Personal & Advertising Injury
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.
Communicable Disease
Communicable Disease
Communicable Disease
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.
Abuse & Molestation
Communicable Disease
Communicable Disease
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
Communicable Disease
Assault & Battery
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.
InkShopGuard Optional Add-Ons
You have the option to add these property and liability coverages to your shop's insurance package.
- Worker's Compensation - Coverage if a W-2 employee is injured during the course of employment, providing medical benefits and wage reimbursements.
- Equipment Breakdown - Extends your property coverage if damage is caused by the breakdown or 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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