Piercing Artist Liability Insurance
Just like with tattoos, body piercing artists are faced with responsibilities that include not only making customers happy but also making sure all piercings go smoothly and trouble-free. It is a practice and culture that relies on satisfied and loyal repeat customers, along with one-time thrill-seekers, but as with anything else, whenever there are needles being used, there are risks involved. No matter how sterile the equipment, how experienced the artist, and how detailed and specific their post-piercing instructions may be, there is always the possibility of something going wrong. To compound the problem, even though absolutely no one forced a customer to get a piercing, a dissatisfied one tends to be very reactionary when it comes to the possible infection or disfigurement of his/her ears, nose, tongue, or more sensitive parts. Despite working in a shop that has business insurance, you as a piercing artist might lack liability coverage due to gaps in the existing policies. This is why it’s important to make sure you have piercing artist liability insurance just in case any kind of mishap occurs and the customer tries to hold you accountable.
You could be sued personally, and without proper coverage in place, it could end up costing you greatly. Fortunately, custom piercing artist liability insurance plans are available to protect you from costly litigation. Each plan is custom shaped to meet your personal needs, so you will be sufficiently covered and you won’t pay more than necessary. It’s a must for any piercing artist. Don’t risk working on another customer before making sure that your own livelihood is protected.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.
