Why Do Tattoo Artists Need Public Liability?
Posted: November 19, 2024 at 3:53 pm
Let’s start with, what actually IS Public Liability?
What It Covers:
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Injury to Clients or Visitors: If a client or visitor is injured on your premises, or example a client trips or slips up. A common situation is people falling off tattoo beds, if this occurs, your public liability insurance covers legal and medical costs relating to this incident.
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Property Damage: If you or one of your employees accidentally damage someone else’s property while working, this insurance can look to cover costs (subject to terms, conditions and limitations set out in the policy).
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Legal Fees: This insurance can also extend to help cover the cost of legal representation if a Public Liability claim is made against your business.
Examples:
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A client trips over a cable in your tattoo studio and suffers an injury.
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You spill tattoo ink on your client’s expensive handbag or shoes, causing significant damage.
Importance for Tattoo Studios:
Given the nature of the work and the fact that Tattoo studios are focused solely on interaction with the public, having public liability insurance helps tattoo artists and studios manage risks. Plus, at the same time can help you avoid significant financial losses from unexpected incidents.
This type of insurance gives you the peace of mind that comes from knowing that you’re protected against claims that could possibly arise from your day-to-day operations.
How is Public Liability different to treatment risk?
Treatment risk is a policy extension that will Insure elements of your business that Public Liability excludes.
This extension would look to cover accidents and injuries that may occur during or as a result of the services that you provide, for example, allergic reactions to ink, piercing infections, laser burns etc.
Most people wrongly assume that Public Liability will cover these claims.
But why is this so important?
“Public liability insurance claims are notorious for being expensive to deal with; in the United Kingdom in 2020 around £5.8m was paid out in liability claims (excluding employer’s liability claims) every day”
Source – Dart Compliance 2024
Ask yourself…
“Can I afford to be uninsured in the event of a claim?”
Keeping in mind that a claim could cause tremendous stress, alongside serious financial hardship. It could even lead to the risk of personal bankruptcy if you are found liable for the damages.
How do I know what cover I need?
Insurance can be confusing, even more so if you’re unsure what your Insurance needs and requirements are.
So feel free to use the below form to contact our team who specialise in Insurance for the Tattoo industry will be happy to help.
