TATTOO SHOP INSURANCE IN VERMONT

What is Tattoo Shop Insurance?

The services that tattoo shops offer inherently expose these businesses to certain risks, including both property and liability perils. In addition to many risks that are common to a variety of businesses, for example, parlors also have to consider what would happen if an artist made a mistake in a design or a client contract a communicable disease. Tattoo shop insurance helps tattoo parlors in Vermont protect themselves from many covered risks like these.

Tattoo shop insurance is a specialized form of commercial insurance that’s uniquely crafted for tattoo parlors. In order to offer these businesses robust protection, most policies come with multiple coverages that are bundled together into a package policy.

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What Businesses in Vermont Need Tattoo Artist Insurance?

The vast majority of tattoo parlors in Vermont ought to carry tattoo artist insurance, Nearly every business in this industry is exposed to at least some risk and this is usually the most appropriate type of insurance for these businesses to get. Not having a tattoo artist policy in place can leave a parlor dangerously and unnecessarily exposed to possible risks.

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What Coverages Does Tattoo Artist Insurance Provide?

Tattoo artist insurance may provide a number of different coverages. Some protections that are commonly found in these policies include:

  • General Liability Coverage, which might cover some common accidents and liability lawsuits
  • Professional Liability Coverage, which might cover suits related to mistakes in work artists perform
  • Communicable Disease Liability Coverage, which might cover suits related to diseases that clients contract
  • Property Coverage, which might protect furniture, decor, tattoo guns, body jewelry, and other equipment and supplies
  • Signs and Glass Coverage, which might protect exterior signs, glass windows and display cases
  • Apprenticeship Program Coverage, which might extend coverage to apprentices studying at a parlor
  • Sexual Abuse Coverage, which might cover lawsuits related to inappropriate actions by employees
  • Permanent Makeup Coverage, which might cover permanent makeup services like lip-liner, eye-liner and brow tattooing

Tattoo shops that own the space they’re located in may also need building coverage for their building. An insurance agent who’s familiar with this type of commercial policy can help parlors make sure they have the right combination of coverages for their situation.

Do Tattoo Artist Insurance Policies Cover Guest Artists?

Coverage for guest artists isn’t always included as a standard protection in tattoo artist policies, but it often can be added if the protection is necessary. An insurance agent can usually help add the coverage when it’s needed.

Do Tattoo Shop Policies Cover Work Done at Conventions?

Whether tattoo shop policies cover work performed off-site at conventions depends on the specifics of a policy. Some will cover this type of activity, while others don’t offer the protection as a standard item. Tattoo artists who want to offer tattoos at a convention should speak with an insurance agent in advance of any event to find out whether their policy will cover the event to make sure they’re well protected.

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How Much Do Tattoo Shop Policies Cost?

Tattoo shop policies vary in price because their premiums are based on many factors, but the policies generally tend to be affordable considering the protections that they provide. An independent agent who’s able to request quotes from multiple insurance companies can help parlors determine how much a policy that offers the right combination of coverages will cost.

How Can Tattoo Parlors in Vermont Get Tattoo Shop Insurance?

For help insuring a tattoo parlor in Vermont, contact the independent insurance agents at Paige & Campbell Insurance. Our agents have worked with several tattoo parlors, and they have the expertise necessary to help you find a tattoo shop insurance policy that’s right for your parlor.

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Offices:

Barre
297 North Main Street
Barre, VT 05641
(802) 476-6631

Bradford 
25 North Main Street
Bradford, VT
(802) 222-5222

Bristol
35 West Street
Bristol, VT 05443
(802) 453-6600

Waitsfield
5197 Main Street, Suite 3
Waitsfield, VT 05673
(802) 496-3118


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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
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