The state of Illinois has strict regulations in place when it comes to operating a tattoo or body art establishment. Those regulations cover services focused on cosmetic tattooing. While you may have a good understanding of what the state asks of you for licensing purposes, you should also learn as much as possible about the type of liability you might face by providing cosmetic tattoo services.
Insurance Coverage to Consider
Cosmetic tattooing requires piercing of the skin to administer ink beneath the skin’s surface, which could lead to possible infection or transmission of other diseases. That is why you should strongly consider taking out general liability insurance to protect yourself against negligence claims filed by customers pursuing monetary damages against your shop.
Worker’s Compensation Insurance
Worker’s compensation insurance provides benefits to employees injured in the course of their work. You should look into what the requirements are for providing worker’s compensation insurance in Illinois. Failing to comply with state law could make you subject to fines and other potential penalties.
Other Liability Coverage
What resources do you currently have to cover any damages to your property due to fire, theft, or other disasters? You may want to look into policies designed to include reimbursement for damage from natural disasters or other events outside of your control. Not having insurance coverage could leave you wiped out financially and keep you from recovering from your losses.
- Understand the various types of insurance available
- Know what kinds of liability you may face as a cosmetic tattoo business owner
- Make sure you understand what you are required to provide when it comes to worker’s compensation