Tattoo Shop Insurance
InkShopGuard provides comprehensive tattoo and piercing shop insurance to protect your physical space, equipment, and business operations. Whether you own or rent your shop, our program helps eliminate policy gaps that could put your studio or your livelihood at risk.
Liability Insurance
Liability claims in this industry can be legally complex, financially draining, and may even threaten reputations. Protect yourself and your business from claims made by clients or third parties with a comprehensive liability insurance package. Our coverage includes protection for:
- Bodily injury or damage to another’s personal property.
- Claims involving mistakes in professional services provided.
- Lawsuits related to libel or slander.
- Allegations of abuse, assault, or battery against you or an employee.
Property Insurance
A solid property insurance package does more than just protect your space; it helps keep your tattoo and piercing business afloat when the unexpected happens. Our coverage includes protection for:
- Your owned building or rented studio.
- Essential business equipment, furniture, jewelry, etc.
- Lost revenue/business income due to unexpected closures as a result of a covered property loss.
Optional Add-Ons
Some risks require an extra layer of protection. InkShopGuard offers these additional coverages for risks that fall outside standard property and liability coverage for tattoo and piercing studios.
- Workers’ Compensation: Provides wage reimbursement and medical benefits for W-2 employees injured on the job.
- Communicable Disease: Coverage is included in our policy at a $25,000 limit; you may choose to request a higher limit.
- Assault & Battery: Coverage is included in our policy at a $25,000 limit; you may choose to request a higher limit.
FAQ
What kind of insurance does a tattoo shop need?
A tattoo shop should have General and Professional Liability Insurance to protect against lawsuits and Property Insurance to cover Theft, Water Damage, and other risks. Business Interruption Insurance is also recommended—it helps replace lost income if your shop must temporarily close due to a covered loss.
How much is insurance for a tattoo shop?
Tattoo shop insurance costs vary based on several factors such as location, services offered, number of artists, etc. We customize each policy to fit your specific needs, so you’re only paying for the coverage that matters to your business. Reach out for a personalized quote tailored to your shop.
How much does liability insurance cost for a tattoo shop?
Tattoo liability insurance costs depend on your risk profile and coverage needs. Our program is designed to offer comprehensive protection at competitive rates, tailored to suit your needs.
How do I choose the right tattoo shop insurance provider?
Look for a provider that specializes in insuring tattoo and body art businesses. The right policy should include both General and Professional Liability coverage, with flexible add-on options tailored to how your shop operates. Choose a company that understands the industry and will take the time to walk you through the details, not just sell you a policy.
Does InkShopGuard offer permanent makeup insurance?
Yes! We don’t just insure tattoo artists and studios. InkShopGuard is also proud to provide permanent cosmetics insurance coverage, microblading insurance, body piercing insurance, barbershop insurance, spa and salon insurance, and more.
Do I need insurance if I rent a booth to other artists?
Yes. As the shop owner, you’re still responsible for what happens in your space, even if the work is done by independent artists. You should also require booth renters to carry their own liability insurance and list your shop as an Additional Insured on their policy. No matter how your business is structured, InkShopGuard can help you get the right coverage.
Does my tattoo shop insurance cover me if I host guest artists or special events?
Coverage can vary by policy. Many insurers require guest artists to be listed or pre-approved and special events may need to be disclosed ahead of time. Always notify your provider about upcoming events or visiting artists. If you’re unsure, we’re happy to walk you through your setup and make sure you’re protected properly.
Do I need tattoo studio insurance if I don’t own the building?
Yes. Even if your landlord insures the building itself, their policy does not cover your equipment, furniture, or liability risks. You need your own coverage to protect your business property and to defend against potential lawsuits.
Coverage Made for Shop Owners
Running a tattoo studio comes with unique challenges—don’t let your insurance add to them. InkShopGuard provides tailored tattoo business insurance that protects your property, your employees, and your peace of mind.