Tattoo Insurance

The most common form of insurance will be Public Liability and Treatment Risk. If you own a salon, shop or Parlour you will also need to consider the stock, business equipment, improvements and potentially the building itself!

As a sole trader it is important to be covered for Public Liability insurance and Treatment Risk Insurance.

Public Liability
This will essentially cover slip, trips and falls. It could be from falling over your bag or tools, to tripping over the carpet on the entry to the Salon. It is important to note that you cannot have Treatment Risk without this cover. Even if you “rent a chair” it is important that you are covered against claims.

If you work in a salon on a “rent a chair” basis, the salon must have it’s own Public Liability for the part it is responsible for – i.e. the front step and the walk to your chair. Your PL will cover you around your chair and of course the important Treatment Risk. The Salon will not require Treatment Risk if the owner does not undertake any work.

Treatment Risk Insurance
This covers you against claims for alleged poor tattooing or infections. A majority of these claims are spurious and are declined by the Insurers, but there is still a cost to defend against them so it is worth having to ensure you are protected.

There are usually terms and conditions with this type of insurance – like issuing the client with creams and a “how to look after” leaflet. It is always worth getting the client to sign to say they have received these items, or if tanning they understand the risks involved.