What Kind of Insurance Do I Need for a Tattoo Shop?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 6
- 2 min read
Updated: Nov 16
Owning a tattoo shop comes with unique risks—from liability claims to equipment damage. Whether you’re starting a new shop or expanding an existing one, having the right insurance coverage is essential to protect your business, staff, and customers.
In this guide, we’ll break down the types of insurance every tattoo shop should consider.
What Kind of Insurance Do I Need for a Tattoo Shop?
Owning a tattoo shop is an exciting business opportunity, but it comes with unique risks. From liability claims to equipment damage, one unexpected incident can disrupt your operations and cost thousands of dollars. The solution? Comprehensive tattoo shop insurance.
In this guide, we’ll break down the essential insurance policies every tattoo shop needs, explain why they matter, and show you why partnering with Wexford Insurance is the smart choice.
Essential Insurance Policies for Tattoo Shops
This coverage protects your business against third-party claims for bodily injury or property damage. For example, if a client slips and falls in your shop or claims an allergic reaction to ink, general liability helps cover medical expenses and legal fees.
Also known as Errors & Omissions insurance, this policy covers claims related to your professional services. If a client alleges negligence or dissatisfaction with a tattoo, this insurance helps protect your business from costly lawsuits.
Your shop’s physical location and contents—furniture, sterilization equipment, and tattoo machines—are valuable assets. Commercial property insurance covers damage caused by fire, theft, vandalism, or natural disasters.
Tattoo machines and sterilization tools are expensive and essential for your operations. Equipment insurance ensures you can quickly replace or repair damaged or stolen items without financial strain.
If you have employees, workers’ compensation is often required by law. It covers medical expenses and lost wages if an artist or staff member is injured while working.
Do you offer mobile tattoo services or use a vehicle for business purposes? Commercial auto insurance protects against accidents, property damage, and liability claims involving your business vehicle.
Why Choose Wexford Insurance?
At Wexford Insurance, we specialize in tattoo shop insurance programs tailored to the unique needs of body art businesses. Here’s why shop owners trust us:
Industry Expertise: We understand the risks specific to tattoo shops, piercing studios, and body art establishments.
Customized Coverage: We work with top insurance carriers to create policies that fit your operations and budget.
Compliance Support: Our programs help you meet local licensing and landlord requirements.
Dedicated Service: From quotes to claims, we provide personalized support every step of the way.
Final Thoughts
Running a tattoo shop is rewarding, but it comes with risks you can’t ignore. By securing the right insurance you protect your business, your team, and your reputation.
Ready to safeguard your tattoo shop?
Contact Wexford Insurance today and start your journey with confidence.
