Ink without worry with customized liability insurance solutions from XINSURANCE.
We are your insurance partner providing liability insurance tailored to the needs of your tattoo business, helping you serve clients with confidence.
What is Tattoo Shop Insurance?
Tattoos, body piercings, and body art continue to grow in popularity. It’s not just the stereotypical biker dudes that have tattoos anymore–the girl next door has added ink to her body, as well. With more and more people getting tattoos, tattoo shops, piercing shops, and tattoo artists need to make sure they are getting the proper liability insurance coverage to help protect themselves from everyday risk and lawsuits.
XINSURANCE is here to provide customized insurance solutions to businesses and individuals, regardless of experience or past claims. We welcome shops of any size, old or new and we welcome artists of any experience level, even if you’ve been declined, canceled, or non-renewed by other insurance providers. In fact, that’s our specialty. Get a tattoo shop insurance quote today!
Who Should Have Tattoo Shop Insurance?
Tattoo Shop Insurance can cover a wide variety of tattoo shop/parlor services as well as body piercing/jewelry services. Other insurance providers might not provide sufficient coverage, if at all, but XINSURANCE is here to provide true peace of mind to businesses and individuals alike.
- Tattoo Shops & Studios
- Tattoo Artists
- Body Piercing Services
- Body Jewelry Services
- Tattoo Removal Services
- Mobile Tattoo Artists
- Supply Distributors
- Guest Artists
- Conventions
- Apprenticeship Programs
- Cover-up Work
- And More!
Tattoo Shop Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQ About Tattoo Shop Liability Insurance
Does tattoo liability insurance cover ink allergies or infections caused to clients?
Professional liability insurance generally covers medical treatments and legal defense costs if a client suffers an allergic reaction or infection allegedly due to the tattoo service provided. Make sure you specify what you want covered on your insurance policy.
Are tattoo artists who rent booth space covered by the shop's insurance?
Yes, the shop’s insurance policy can cover tattoo artists who rent booth space so long as it is scheduled. XINSURANCE can also provide insurance solutions for individuals or contractors who aren’t insured by a shop but need coverage for a booth, like at a convention. This inclusion depends on the policy’s specific terms and conditions. It’s essential for both shop owners and independent artists to clearly understand and agree upon how coverage is extended to those renting booth space. Shop owners should verify with XINSURANCE to ensure their policy is designed to cover all working artists, including those renting space.
Can I get insurance if I’m a mobile tattoo artist or do temporary work at conventions?
Yes, we can provide insurance solutions for mobile tattoo artists or those who work at conventions. Our solutions account for the unique risks associated with non-permanent work locations.
Why is liability insurance important for tattoo shops?
Liability insurance is crucial for tattoo shops because it can cover legal costs and potential settlements arising from lawsuits, which can be financially debilitating for a business. It safeguards the business operations, ensuring financial stability against claims of damage, injury, and other liabilities.
You need tattoo shop insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does tattoo shop insurance cost?
The cost of tattoo shop insurance varies depending on several factors such as the size of the shop, number of employees, types of services offered, and the specific risks insured. As an individual tattoo artist or contractor, your cost may also depend on your years of experience, claims history, location, number of clients, etc.
It’s best to contact XINSURANCE and tell us more about you and your insurance needs so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
