Connect insurance to the operation
Tattoo and piercing shop insurance should reflect the services performed, artists and piercers, employees and independent contractors, sterilization and bloodborne-pathogen controls, customer records, property, lease requirements, and the possibility of injury or infection allegations. Licensing and operating requirements vary by state and locality. Specialized insurance planning for tattoo studios, piercing studios, body-art professionals, equipment, customers, and premises.
Unscheduled people, property, or locations
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Excluded services or causes of loss
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Limits that do not match credible severity
Review the current operation, credible loss scenarios, management controls, contracts, requested limits, and the policy terms intended to address this issue.
Risks that deserve specific attention
Customer injury, infection, needlestick, and bloodborne-pathogen allegations
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Premises liability, equipment, sterilization, signage, tenant improvements, and interrupted income
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Independent artist or booth arrangements, employment practices, cyber exposure, and lease requirements
Describe where the exposure occurs, who controls it, how frequently it arises, what could make a loss severe, and which documented controls are in place.
Coverage areas to coordinate
General Liability and Professional Liability where applicable
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Property, contents, equipment, Business Income, and cyber
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Workers' Compensation, EPLI, Commercial Umbrella, and other coverage based on the operation
Confirm limits, deductibles, covered entities, locations, operations, exclusions, endorsements, and how this protection coordinates with the rest of the program.
Build a useful submission
- Describe every operation, ownership entity, location, service, customer type, and material change since the prior policy began.
- Provide current revenue, payroll, values, vehicles, equipment, contracts, and currently valued loss information when available.
- Explain significant claims, near misses, corrective action, safety procedures, training, maintenance, and management oversight.
- Identify requested effective dates, contract deadlines, lender or landlord requirements, desired limits, and deductible preferences.
Questions the review should answer
How will the program address customer injury, infection, needlestick, and bloodborne-pathogen allegations?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address premises liability, equipment, sterilization, signage, tenant improvements, and interrupted income?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
How will the program address independent artist or booth arrangements, employment practices, cyber exposure, and lease requirements?
Connect the answer to the appropriate policy, limit, deductible, endorsement, exclusion, operational control, and recovery plan.
Frequently asked questions
What information helps prepare a Tattoo & Piercing Shop insurance common coverage gaps review?
Start with a clear description of the operation, locations, ownership, revenue, payroll, property, vehicles, contracts, current insurance, and loss history. For tattoo & piercing shop, pay particular attention to customer injury, infection, needlestick, and bloodborne-pathogen allegations, premises liability, equipment, sterilization, signage, tenant improvements, and interrupted income, independent artist or booth arrangements, employment practices, cyber exposure, and lease requirements.
Which policies commonly deserve attention for tattoo & piercing shop?
The starting coverage areas include general liability and professional liability where applicable, property, contents, equipment, business income, and cyber, workers' compensation, epli, commercial umbrella, and other coverage based on the operation. Actual needs depend on the operation, contracts, locations, people, property, vehicles, services, and available market terms.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.