Public Liability Insurance for Tattooists

WilD

Premium
13 Jan 2011
451
UK
First Name
Dawn
Hello all, me again!

Question... why is it difficult for tattooists to get public liability insurance?

I have been doing some digging about today - and what it reveals to me is that all we are covered for are general things like someone tripping or hurting themselves in the property. (eg tripping over a piece of furniture etc!!) There is no element which covers the actual tattooing - yet because we are tattooing it is far more expensive than for any other business apparently?!
There is another element called treatment cover which is for a person say who develops an infection - but it would have to be proven that it was through negligence in hygiene standards of the artist for example... and with a policy excess of *£1k!

Can any of you shed any light on this - offer any tips as to a good company to use - or give me any ideas of quotations/annual costs - as the figures I have been given are rediculous! Cheapest was *£330 with a *£1k excess!!

It just proves to me yet again that everything is stacked up against us trying to abide by the law!!:mad:

sorry, forgot to say that quote is just for me personally - so not the type of cover you'd need for a shop even!
 

Daz

Premium
19 Feb 2011
265
Worcestershire
First Name
Darren
Hi Dawn

Im not in the office till Monday, but we had a similar nightmare with insurance, due to us been a training centre and gas is one of the courses run. Our quotes
ranged from *£1800 to *£3900 however we got a company to insure us for *£680, seems a lot but very cheap compared. I think the company is called Simply Business but will clarify it for you.
 

tattooangel

Basic
11 Jun 2011
2
First Name
Ray
I agree, it does seem that companies that insure tattooists are thin on the ground. We went with a brokers called Versatile Insurance. I forget the guy I spoke to, but he was very helpful. It looks like they have a special offer on too!
 

tattooangel

Basic
11 Jun 2011
2
First Name
Ray
Im trying to post a link to the exact page, but this forum is letting me! It is
www[dot]versatileinsurance[dot]co[dot]uk/tattoo-insurance[dot]php
 

marked 4 life

Premium Gold
31 May 2011
1,486
Media
49
Stoke on Trent
First Name
Andy
Gender
Male
I have my own engineering business and I pay just over *£600 for just me as I do hot work, there used to be a couple of companies in the back of skin deep who had liability insurance for tattooists.



Remove Ads
 

WilD

Premium
13 Jan 2011
451
UK
First Name
Dawn
Hi guys n gals,

thanks for the info. Eventually went with a company called Cathederal Ins brokers who sorted me a shop policy which covers me for public liability, stock, premises etc.

I decided not to bother with the tattoo care package - because when I read the small print, it basically covers you for infection only - nothing to do with the tattoo or error or design or ANYTHING!! It also had a *£2,500k excess!!!!!
In my opinion - not worth a light!

Advice to anyone setting up a business - get your public liabilty - (cover for anyone falling, tripping, injuring themselves on your property) - and any contents etc.
The tattoo package is not - and I repeat, not any use!!

Make sure you have a good and thorough disclaimer in place - and MAKE SURE you do not tattoo anyone until they have signed a copy for you. Ensure you follow to the letter, all health and safety guidelines. This is the best you can do.
 
Top