Why Do Tattoo Artists Need Public Liability?
Posted: November 19, 2024 at 3:53 pm
Let’s start with, what actually IS Public Liability?
Public liability insurance covers the legal liabilities of a business and pay’s compensation costs to third parties if you’re found to be legally liable in the event of a claim. Public Liability claims can include circumstances such as- death, injury, disease, or damage to a third parties property as a result of your business activities. Alternatively, this cover will pay defence costs if it is thought that you’re not legally liable. This recommend regardless of if you’re a sole trader renting a chair or the owner of a studio. Subject to policy T&C’s.
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.
