INSURANCE FEATURERemember, both studio and artists
should be covered. The studio owner
is liable for any damage caused in
the studio so should insure the studio
themselves. This is especially true if
you are renting the premises as you
may also be responsible for any
damage caused – to your shop
window for instance – and this may
be stated in your lease agreement.
Individual artists can either obtain
their own insurance cover (especially
helpful if they move studios a lot) or
they can be covered under the main
studio insurance as a guest artist or as
an employee.
Most common claims:
- Thefts and break-ins
- Smashed front windows
- Burst pipe or flood
- Customer claiming an infection
- Trip or slip in the studio
- Fire damage
Our insurance professionals told us
that most of their claims have been
for treatment risks. One of our
panellists, a studio owner, faced legal
action when a tattoo performed by
one of their artists healed badly.
Although not the artist’s fault (the
tattoo had scarred due to sun
damage and incorrect aftercare), his
treatment and liability cover ensured
that any fees were sorted when the
customer attempted to make a claim
against them. Although stressful, this
saved large financial losses that might
have resulted in the closure of the
studio.
Being taken to court for a dodgy
tattoo is one risk, but there are
obviously others. 22% of our
surveyed panelists had claimed for
theft, of which all but one had
received payouts to cover loss of