Permanence: Insuring your tattoo business to stand the test of time
Two words: professional liability
If you own or operate one of the 21,000 tattoo parlors in the U.S., you understand that you and your business play a role in changing perceptions of this fast growing market, and perception is reality for tattoo pros.
Approximately 45 million Americans have at least one tattoo, and they’re spending more than $1.65 billion on them each year. Forty-nine percent of people with tattoos say the reputation of the artist or studio are the most important factor in considering a tattoo. What you might not consider is that tattoo and body piercing parlors have many of the same insurance concerns as any other type of small business owner, plus additional liability risks.
Two words come to mind when considering a permanent, subjective, intangibly personal creation like a tattoo: professional liability. SECURA understands the threats tattoo and body piercing businesses are at particular risk for:
- General Liability coverage including:
- Premises and Products Liability
- Property Damage Liability
- Professional Liability (limits up to $1,000,000)
Those risks are in addition to your standard business concerns — building, equipment, materials, computer systems, studio, and other business property. Your independent agent may even recommend coverage for lost wages in the event of a covered claim.
Find an independent SECURA agent in your area for more recommendations and information on getting the proper coverage for your tattoo parlor.
Delayed flights and lost luggage often headline the list of concerns for travelers, but they are minor inconveniences compared to severe illness, missing prescriptions, or serious injury away from home.
The time to prepare for sickness is before germs hit your team. Illnesses can happen anytime, but flu season generally peaks between December and February, although it can stretch from October through May. Consider how you canprevent an outbreak and how you can respond quickly to limit the impact and costs to your business.
When Jenny VanDeHei left for college to study business, she thought she had picked her last stone and fed her last calf. She loved the family farm she grew up on, but she saw her future as an accountant, in an office building in the city, far from the country fresh smell of cow manure.
When you’re born into a farm family, on the job training begins the moment you can walk. You learn quickly where it’s safe to play, not to startle the animals, and that there’s always a way you can help – no matter your age. Curt Weis, Manager – Farm and Agribusiness Training, can attest to this because he earned his keep by working on his family’s farm right up until he left for college.
Patti Lemke, Sr. Agribusiness Underwriter, spent her entire young life living and working on a farm. Her parents owned and operated a small farm in Eden, Wis. that milked 65 cows in a stanchion barn, and she worked on a large dairy farm that milked 700 head from the time she was 14 until she left for college.