Cosmetic Tattoo Insurance – Essential Checklist

Whether you’re just starting your cosmetic tattoo business, have an established career in the beauty industry or have been employed by somebody else, Sparrow Insurance have put together this essential checklist so you are informed about what important elements your cosmetic tattoo insurance policy should include.

Types of insurance coverage needed

Cosmetic tattoo insurance is a combination of Professional Indemnity Insurance and Medical Malpractice Insurance, Product Liability Insurance and Public Liability Insurance.

It is designed to protect you and your business should an unfortunate event occur such as your client suffering a personal injury during treatment or an accident or injury that may occur in your clinic.

Even as a skilled professional, occasionally treatments can go wrong or be alleged to have gone wrong if a client is dissatisfied with the results or advice given. Whilst safety precautions can be taken it’s not possible to eradicate the risk that somebody could have an adverse reaction to a product or type of pigment you’ve used, or trip over a piece of equipment and suffer a serious injury.

Additional types of insurance to be considered

Business Insurance – this protects your business, covering general property equipment (eg. permanent makeup machine, product stock), general property damage from accidents, and losses from things like theft and fire.
Management Liability – specifically for private companies, and covers claims of wrongful management, employment practice breaches, theft by employees or third-parties, tax audit and statutory fines and penalties.
Cyber Insurance – protects you from claims against a potential data breach, especially necessary if you maintain a website and have a digital record of your client’s personal information.
Tax Audit Insurance – this will cover your business for if in the event you are tax audited by the ATO.

Am I covered for all types of cosmetic tattooing?

As a permanent makeup artist it is important that you have a very clear understanding of what treatments you are covered for exactly under your policy. Not all cosmetic tattoo insurance policies are the same, and many do not cover all tattooing techniques and treatment areas.

For example, did you know that some policies only cover the lip line part of the treatment, and not the entire lip treatment start to finish? Or that scalp micropigmentation often isn’t included in cosmetic tattoo insurance policies at all?

Choose the right insurance provider

One thing to keep in mind when sourcing insurance is that cheaper isn’t always better.

If the policy is cheap, you may be missing out on the coverage that you need to protect you and your business. Having an insurance broker help you source the right insurance is invaluable. And whilst it may seem that many brokers have access to the same offerings, some don’t understand the unique and rapidly changing insurance requirements of the beauty industry, not all plans are one-size-fits-all. Chose a broker that specializes for the beauty industry as they will provide unbiased and expert advice that satisfies the needs of your business specifically.

How do I get cosmetic tattoo insurance?

Insurance company Sparrow Insurance has arranged exclusive cover for permanent makeup artists to make sure that you are protected in any case of an unfortunate event. For expert advice and guidance on cosmetic tattoo insurance packages specially tailored to your needs, all you need to do is contact Sparrow Insurance directly for easy insurance quotes. Call today on (07) 5502 8326 or get an instant quote online here.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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