Tattoo Shop Insurance in New Hampshire

Also providing tattoo shop insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is tattoo shop insurance?

Tattoo shop insurance is a specialized form of business insurance tailored to the needs of tattoo artists and shop owners. In New Hampshire, this type of insurance is essential for protecting your business from the unique risks associated with the tattoo industry.

What does tattoo shop insurance typically cover?

Tattoo shop insurance in New Hampshire typically includes several types of coverage:

1. 1. General Liability Insurance: This coverage protects your business from claims related to bodily injury or property damage that occur on your premises. For example, if a client slips and falls in your shop or has an adverse reaction to a tattoo, general liability insurance would cover the legal costs and any settlements or judgments.
   2. Professional Liability Insurance (Tattoo Artist Insurance): Also known as errors and omissions insurance, this coverage is essential for tattoo artists. It protects against claims of negligence, errors, or inadequate work. For instance, if a client is unhappy with a tattoo and alleges that you were negligent, this insurance would cover the legal defense and any settlements.
   3. Commercial Property Insurance: This insurance covers damage to your shop’s physical location and its contents, including tattoo equipment, furniture, and artwork. Whether it’s due to fire, theft, or vandalism, commercial property insurance ensures that you may repair or replace damaged items without incurring significant out-of-pocket expenses.
   4. Workers Compensation Insurance: Required by law in New Hampshire, this insurance provides benefits to employees who are injured on the job. It covers medical expenses, lost wages, and rehabilitation costs, ensuring that your employees are taken care of if they suffer work-related injuries.
   5. Product Liability Insurance: This coverage is particularly important if your shop sells products like tattoo aftercare creams or other merchandise. Product liability insurance protects your business from claims related to injuries or damages caused by products sold or distributed by your shop.
   6. Business Interruption Insurance: If your tattoo shop is forced to close temporarily due to a covered event, such as a fire or natural disaster, business interruption insurance compensates for lost income and helps cover ongoing expenses like rent and utilities.

What factors influence the cost of tattoo shop insurance in New Hampshire?

The cost of tattoo shop insurance in New Hampshire may vary based on several factors:

1. Size and Location of the Shop: Larger shops with more employees and equipment may face higher premiums due to the increased risk. Additionally, the location of your shop in New Hampshire may affect costs, with factors like crime rates and proximity to emergency services playing a role.
2. Type of Services Offered: The specific services your shop offers, such as piercings or permanent makeup, may influence your insurance costs. Services that carry a higher risk of injury or infection may result in higher premiums.
3. Claims History: A history of previous claims or lawsuits may lead to higher insurance costs, as insurers view your business as higher risk.
4. Employee Training and Experience: Shops with well-trained, experienced artists may benefit from lower premiums, as they are seen as less likely to cause injuries or make errors.
5. Safety Measures and Hygiene Practices: Implementing strong safety and hygiene protocols may reduce your insurance costs. Insurers may offer discounts to businesses that prioritize cleanliness, use sterilization techniques, and follow industry best practices.
6. Coverage Limits and Deductibles: The higher your coverage limits, the more expensive your policy will be. However, higher limits provide greater protection. Additionally, choosing a higher deductible may lower your premiums, but you’ll need to ensure you may afford the deductible if you need to file a claim.

What types of claims are common in the tattoo industry?

Tattoo shops and artists in New Hampshire face several types of claims, each of which highlights the importance of having comprehensive tattoo shop insurance:

1. 1. Bodily Injury Claims: These claims arise when a client is injured on your premises. For example, if a client slips and falls or suffers an adverse reaction to a tattoo, they may file a claim against your shop for medical expenses and damages.
   2. Professional Liability Claims: If a client alleges that a tattoo was done improperly or caused an infection, they may file a professional liability claim. This type of claim is particularly common in situations where the client is dissatisfied with the outcome or believes that the tattoo artist was negligent.
   3. Property Damage Claims: If your shop is damaged due to fire, vandalism, or another covered event, you may need to file a property damage claim to cover the costs of repairs or replacements.
   4. Product Liability Claims: If your shop sells products like tattoo aftercare lotions or piercing jewelry, you could face product liability claims if these items cause harm to a client. For example, a client might allege that a product caused an allergic reaction or skin irritation.

Do tattoo artist insurance policies cover guest artists? 

Whether tattoo artist insurance policies cover guest artists depends on the specific terms and conditions of the policy. Generally, liability insurance provided to tattoo studios might extend to guest artists, especially if they are working under the supervision of the studio’s main policyholder. Professional liability insurance could also cover guest artists if included in the policy. However, general business insurance typically covers property damage and business-related risks, but may not automatically extend to guest artists without explicit inclusion. Workers’ compensation insurance, on the other hand, usually covers full-time employees, so guest artists might not be covered unless they are classified as employees or have a specific arrangement in place. To ensure comprehensive coverage, it’s crucial to review the policy details and consult with the insurance provider.

How can New Hampshire tattoo shops obtain tattoo shop insurance?

Reach out to the independent agents at Insurance24 for a fast quote on tattoo shop insurance in New Hampshire. Our team understands the unique risks your business faces and is dedicated to providing tailored coverage that meets your specific needs. Whether you’re looking to protect your equipment, employees, or clients, we offer comprehensive solutions that give you peace of mind.