Insurance for tattoo shops.

General liability, professional liability for infections, ink reactions, and disputed work, plus property and workers’ comp, for studios with employed or independent artists.

What tattoo shops usually carry

General liability, $1M / $2M
Tattoo professional liability
Property and equipment
Business income
Workers’ comp
Coverage at conventions

Watch for these in a tattoo shop policy

Piercing and laser removalMany tattoo policies exclude piercing or laser removal unless each is listed. Laser work is often written on a separate policy.
Sterilization recordsAfter an infection claim, your autoclave spore tests, sharps logs, and signed consent forms are the defense. Many carriers ask about them before quoting.
Disputed workA client who says the design is misspelled or not what they approved brings a professional liability claim. Refunding your own fee is usually not covered.
Guest artistsA visiting artist working in your shop is often not covered by your policy. Get their certificate, or ask us about adding them before their first session.

What landlords and convention organizers ask tattoo shops for

Additional insuredConvention organizers want to be named for the dates of the show.
Professional liabilityMany shows ask for proof of tattoo professional liability, not only general liability.
Certificate before setupMost organizers want it on file before you load in.
Waiver of subrogationOften written into the lease for your shop.

Questions tattoo shops ask

Straight answers.

The questions we hear most, answered plainly.

Does tattoo insurance cover an allergic reaction to ink?

Under professional liability, it usually does. Keep the signed release, the ink brand and lot number, and your aftercare sheet, since that record is what defends the claim.