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Insurance for Cosmetic Tattoo Artists, Permanent Makeup Artists, PMU Artists

Instant cosmetic tattoo insurance, permanent makeup artist insurance and pmu artist insurance that combines professional indemnity, public liability and products liability

Competitive pricing with monthly option

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protects you against

What is covered under this insurance policy for cosmetic tattoo artists?

Cosmetic tattoo insurance under the allied health professionals insurance covers cosmetic tattoo artists, laser tattoo removal services, non-laser tattoo removal services, micropigmentation derma therapy and is designed to include both professional indemnity, public liability and products liability.

The policy is suitable for cosmetic tattooist working in spas, beauty salons, dermatologists offering cosmetic tattoo services.

The policy can cover cosmetic tattoo artists that work full time, part time or freelance.


Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your cosmetic tattoo services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your cosmetic tattoo business in the course of providing your professional services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your cosmetic tattoo artist business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your business.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your cosmetic tattoo or micropigmentation services.

other benefits

Value added benefits of the cosmetic tattoo insurance policy

Contract Review

This entitles you to four contract reviews each year you have your cosmetic tattoo insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

A client wants to get their eyebrow shaped but you incorrectly schedule and complete tattooing. They complain of a burning sensation during the procedure that subsequently leads to an allergic reaction and has to be hospitalized.

Trips, Slips and Falls

A potential client trips on the wire of your cosmetic tattoo removal equipment and sustains serious head injuries.

Negligence

You’re a cosmetic tattoo artist working on putting a tattoo that says - “It’s my life”. You misspell it and the tattoo now reads - “It’s is my life”.

Error of Judgement

You’re applying a lip liner tattoo to a client and accidentally damage the client’s skin leading to burning, swelling and severe pain.

Bad Professional Advice

A cosmetic tattoo treatment was not performed properly and leads to permanent facial scarring causing embarrassment and mental agony to the client.

Third Party Damage

You accidentally damage the Harley Davison of your client as it reverses into your studio’s garage but near hastily placed rubbish by an apprentice.

exclusions

What is not covered (exclusions) under the cosmetic tattoo insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Hairdressers & Barbers
See More
Beauty therapists & Beauty salons
See More
Eyebrow shaping
See More
Makeup artist
See More
Other 20+ Beauty Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a cosmetic tattoo artist, tattoo removal (laser or non-laser) or micropigmentation derma therapy service provider and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get cosmetic tattoo insurance to win that client or to get a job, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, cosmetic tattoo insurance is the perfect solution for cosmetic tattoo artists, micropigmentation experts, cosmetic tattoo removal experts.
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FAQs

You asked, We answer

Why is cosmetic tattoo insurance important?

Where there are needles, there is scope for error. A cosmetic tattoo procedure is a job for the highly skilled and sometimes things go wrong. Your client may hold you responsible and that could put everything you have worked for at risk.Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance.

This  protects you and your business against any advice you give to your clients - whether on cosmetic tattoo designs to tattoo removal.

What can a cosmetic tattoo artist be sued for?

While we hope it doesn't happen, cosmetic tattoo artists can potentially be sued for: 
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• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored cosmetic tattoo artist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity insurance limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under cosmetic tattoo insurance?

1. Scalp micropigmentation 
2. Skin micropigmentation
3. Semi-permanent makeup
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078