Having your own business is usually great but it can be stressful as well. Little is likely to be more stressful than being on the receiving end of a claim for damages and then finding that you don’t have the appropriate tattoo insurance for business in place.

What are the risks?

Sadly, there are quite a few of them.

Your business involves, quite literally, people contact. Whenever you deal with people directly there are risks involved. Just a sample of these may include:

customers that suffer injury or illness they attribute to your activities (professional liability insurance);
customers or members of the public who suffer injury on your premises or as a result of it such as a falling roof slate or tripping on a raised carpet (public liability insurance)
a customer who suffers injury as a result of one of your products (product liability insurance);
an employee who suffers injury while working on your behalf (employers’ liability insurance);
business premises and equipment destroyed by natural disaster such as a flood or fire (commercial buildings insurance and office insurance).
The list could be continued but the message may be clear – your tattoo business may be at risk unless you have tattoo insurance in place and, if necessary, commercial buildings insurance.

Is business tattoo insurance worthwhile?

It’s an old truth that insurance is never worthwhile – until about 5 seconds after you’ve had a major problem. In the cases above that involve personal injury, court awards following even relatively moderate instances of injury can be staggeringly high and potentially ruinous without insurance protection – unless of course you have hundreds of thousands of pounds laying around spare!