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Get Singapore's best insurance for tattoo shops. Broad cover from property damage, employee injuries, liability, & more.
As a tattoo shop owner, your clients rely on you to provide great and safe service. But with needles, blood, and ink comes serious health and liability risks. If customers get injured or contract diseases on your premises, you can be held liable for personal injury lawsuits. Also, tattoo shop staff are at high risk of contracting Covid-19 infections due to close working conditions with clients.
With Provide, you can build yourself a tailored policy to protect your tattoo studio. Get comprehensive coverage for public liability, employee injuries/infectious diseases, premises/equipment damage, and more.
What does Tattoo Shop Insurance cover?
| Coverage | Explanation | Importance for tattoo shops |
| Commercial Property Insurance | Protects your business premises against property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical |
| Public Liability Insurance | Protects you against liability to third-parties for property damage or injuries. E.g. clients slipping & falling in your office due to you negligently leaving the floor wet. | Critical |
| Work Injury Compensation Insurance (WICA Insurance) | Protects your employees if they suffer work-related injuries/sickness. | Legally required for all workers who earn $2,600/month or less, and all manual workers |
| Business Interruption Insurance | Provides cash benefit if you cannot operate your bookkeeping business due to covered reasons, e.g. fire at your office. | Very good to have |
What are some claims examples for tattoo shops?
Customer injuries:
For instance, if a customer slips and falls, they can sue you for personal injury damages and medical expenses. Tattoo shops can also accidentally hurt customers while performing tattoo services, or you may accidentally transmit infectious diseases due to not sanitising your equipment properly.
Staff suffering injuries/infectious disease: Staff injuries, or staff contracting Covid-19 infections. Given the close proximity that tattoo artists work with clients, the chance of Covid-19 infections cannot be ignored.
Under Singapore law, business owners are responsible for paying the medical expenses and lost wages of staff who are injured/sick due to work-related causes.
Property/equipment damage: Risks like fire, water damage, burglary, and vandalism.
For instance, a fire could break out and damage your tattoo studio. Burglaries could damage your storefront, and leave you missing equipment.
How much coverage do I need for my tattoo shop?
Commercial Property Insurance: Your coverage amount should be sufficient to cover the costs of restoring your entire office premises, if it were to be destroyed. Combine the costs of all your renovations, equipment, and belongings stored there. It’s advisable to consider a bare minimum of $100,000.
Public Liability Insurance: Consider a minimum of $250,000 coverage.
Work Injury Compensation Insurance: You should insure 100% of your workforce. MOM requires a minimum of $45,000 medical expenses cover, per worker.
Business Interruption Insurance: Have at least $50,000 coverage.
How much does Tattoo Shop Insurance cost?
| Coverage | Coverage amount (example) | Premium |
| Commercial Property Insurance | $100,000 | From $19/month, for a comprehensive Tattoo Shop Insurance Package deal |
| Public Liability Insurance | $500,000 | |
| Work Injury Compensation Insurance (WICA Insurance) | $10 million common law annual limit $45,000 medical expenses cover per worker | |
| Business Interruption Insurance | $10,000 |
Why use Provide for Tattoo Shop Insurance?
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