Treatment Liability Insurance for Tattooing, Piercing and Tattoo Removal.
Treatment Liability can be difficult to obtain for tattoo artists and in addition laser tattoo removal is a specialist application a niche insurance market. There are now inexpensive insurance packages available for any treatment you may offer whether you are an individual, school, trainer, clinic, professional association, health related business of any type, charity or not-for profit organisation, professional carer firm or individual, we have a well thought-out range of protection products for you. Please contact Town & Country for your insurance needs.
Laser Tattoo removal is big business and is becoming more and more popular throughout the UK. As a professional when it comes to choosing your insurer you will no doubt want to make sure that you are working with a specialist within this sector offering the correct insurance cover for your business. Whether you are a tattoo removal specialist, tattooist or piercer our experience, integrity and knowledge of this sector of insurance sets us apart from our competitors nationwide. Established in 1977, our experience within the industry allows us to provide competitive and comprehensive insurance cover to tattoo removal specialists wherever you are based across the whole of the UK. We make the process easy, hassle free and most of all affordable for you. We can provide cover for studio owners, your staff & self employed technicians who carry out cosmetic tattooing & body piercing and cover can be arranged for specialist services such as tongue splitting, scarification and branding, micro pigmentation (including semi permanent tattooing, laser tattoo removal & E-Raze tattoo removal).
We strongly advise that you seek the advise of an experienced broker when buying your laser tattoo removal as we often hear stories where clients have bought policies elsewhere and aren't covered correctly. Public liability insurance DOES NOT include the treatments and procedures you perform - these are different types of cover.
These are some of the covers you will need:
This covers liability at law for causing injury to other people (not necessarily clients/clients) for damage to them or their property, provided that no treatment or advice was the reason for the incident.
This covers you for any defect in goods (e.g. medicines, cosmetics, beauty aids, or health aids) sold, supplied or demonstrated to your clients, which may cause injury or damage. Even if you did not manufacture the item concerned and innocently passed it on, under EU directive, the Consumer Protections Act etc., you will still be initially held liable.
This covers you for injuries sustained by any employees or work experience assistants while working for you or on your premises, and is legally required. The certificate must be displayed. (Your must also follow the national laws on Health and Safety in the workplace.) This cover is available now under the package policy.
Indemnifies (i.e. protects) the practitioner against any allegations of loss arising from the conduct of his/her occupation, whether treating or not. This can cover financial loss due to inadequate or incorrect advice, consultancy work etc., and applies where injury has not been caused. Includes breaches of Duty of Care which come under the Law of Negligence or “Tort”.
Malpractice is where a practitioner has not performed with a reasonable degree of skill and care, resulting in possible injury or loss to the client. Medical Malpractice based in professional indemnity and responding to the policyholders legal liability arising out of any bodily injury, mental injury, illness, disease or death of any patient caused by any negligent act, error or omission committed by the insured in or about the conduct of the insured's occupation or business as stated in the schedule, or Good Samaritan Acts. Medical malpractice insurance, is in practice a hybrid of public liability insurance and professional indemnity insurance, responding to claims arising from both bodily injury, including metal and psychological damage, from both physical procedures and from advice, or indeed a combination of the two. Generally speaking a professional indemnity insurance policy will not respond to claims for bodily injury, and a public liability policy will not respond to claims arising from advice. Medical malpractice insurance bridges the gap between the two covers.
Treatment Risk Insurance
Provides protection against any claims made against you in respect of injury to your client or infection caused as a result of carrying out the treatments and the services you provide to them such as laser tattoo removal & cosmetic tattooing and body piercing. This stand alone specialist professional liability insurance provides treatment risk insurance cover for those who carry out tattooing, body piercing and other beauty related treatments. Cover indemnity ranges from £1,000,000 upwards and is provided in respect of claims made and reported to the insurers during the certificate period for work carried out after the inception of the policy. Cover can be purchased by the owner of the business and extends to include employed therapists. All self employed therapists should purchase their own individual treatment risk insurance policy that is transferable to any other studios they may work in. Self employed therapists should also have their own public liability policy that can be purchased as an extension to their treatment risk cover. Any clinic or studio business owner should ensure that their self employed therapists have in place their own treatment risk and public liability insurance.
What Town & Country Can Do For You:
Town & Country Insurance provide treatment risk insurance for more specialist services such as tongue splitting, scarification and branding, micro pigmentation (including semi permanent tattooing, laser tattoo removal & E-Raze tattoo removal).
Whether you require cover as an individual laser tattoo remover, tattoo artist, body piercer or a comprehensive clinic with other laser or cosmetic treatments/procedures or tattoo shop insurance policy there are only a handful of companies that are able to offer cover within this specialist sector. We can talk you through what cover you will need as a clinic or studio owner or as a self employed technician. Your specific needs can be tailored into a policy that fits your personal requirements. We can provide a policy is designed specifically for the needs of those in the your industry including tattoo artists and body piercers.
There are a number of categories of laser tattoo removal & tattoo insurance cover within this specialist sector which you can opt for dependent how your individual business is set up. Cover can also be extended to include body piercing insurance and other similar services that your business may provide. By dealing with the laser tattoo insurance professionals you can rest assured that you are given all the options.
Tattoo Artist Insurance can include:
Laser Tattoo treatment risk insurance - a stand-alone specialist professional liability insurance for those carrying out on-body treatments including tattooing & body piercing. Treatment risk cover can be purchased by studio owners to provide protection for directly employed artists or it can be purchased by individuals employed as self employed artists. For more information on tattoo artist insurance or treatment risk insurance please contact us.
Tattooist liability insurance
Public liability insurance protects members of the public whilst on your premises and optional Employers' Liability insurance for business owners provides protection for your employees. If you are a self employed technician the owner of the business may insist upon you having your own public liability policy in place. We can provide public liability insurance for self employed tattoo artists as an extension to their treatment risk insurance.
Laser tattoo shop insurance
A package tattoo shop insurance policy provides cover for your business as a whole which can include buildings cover if required, business contents insurance, Employers' liability and public liability insurance alongside your treatment risk insurance for any directly employed tattooists or body piercers.
Laser tattoo & Tattoo Studio Insurance
If you are providing laser tattoo removal or tattooing or cosmetic body piercing you will require evidence that you have adequate public liability insurance for your premises to register your business with your local authority. Whether you own the property or are renting you can opt for a tattoo shop insurance package policy which will provide your public liability cover alongside protection for loss or damage to your equipment, stock in trade & contents. Other extensions available include employee dishonesty (fidelity guarantee), legal expenses, loss of money, book debts, computer records, terrorism cover and business interruption extensions to protect your income should you suffer a major loss. If you own the premises cover can extend to include buildings insurance with option for subsidence cover. If you have any staff it is a legal requirement to have adequate Employers' Liability in place.
Business owners carrying out tattooing should also have in place adequate treatment risk insurance for themselves and their employees. Tattoo studio owners should ensure that any self employed tattoo artists have in place their own treatment risk and public liability insurance. Tattoo shop insurance is also referred to as tattoo parlour insurance or tattoo studio insurance.
Treatment Liability Insurance
Professional treatment liability insurance, also known as treatment risk insurance. or sometimes medical mal practice cover. See above for further information.
Tattoo Liability Insurance
Public liability insurance provides protection against claims for injury or damage to third parties whilst on your premises as a result of your negligence. Cover indemnity ranges from £1,000,000 through to £10,000,000 and provides protection for you against any legal action taken against you from customers or other members of the public who may have an accident whilst on your premises.. Self employed tattoo artists working within studios can purchase their own public liability cover alongside their treatment risk cover.
Body Piercing Insurance & Piercing Insurance
Should your business extend to include body piercing your policy can extend to provide body piercing insurance cover for this service. Treatment risk professional liability insurance is required to ensure your protection against claims made from injury to your clients or infection caused from the services you have provided.
Getting a Laser Tattoo removal , tattoo insurance & body piercing insurance quote.
Our aim is to make providing you with a quote as easy and hassle free as possible. So what do we need to know?
Depending upon how your business is set up we will simply need to establish the indemnity limits you require for your treatment risk insurance or your liability insurance cover. If you are looking for cover to extend to include your business contents, stock in trade or the buildings we will need to establish the make up of the premises and the security in places. Remember we will make the process as hassle free as possible for you.
Town & Country Insurance is a specialist brokerage with policies for:
Laser Tattoo Removers
Any Laser treatments up to Fitzpatrick scale 5 & 6
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate.
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you.