PPIB Tattoo & Piercing Insurance
In this lawsuit crazed society, it seems no one is safe from ridiculous claims. You'd be surprised that even the most frivolous sounding suits have won in court or settled with a big payday. The money and time spent defending against these attacks can cause a huge strain on tattooists, and so one of the most important ways studios can protect themselves is by having the right insurance. This weekend at the NYC Tattoo Convention, I heard one new shop owner say that, when he approached an insurance broker for coverage, the response was "I have no idea how to even do this." So, I suggested he contact those who have been taking care of tattooists and piercers since 1993:Beyond stiletto heels and shop dogs, there are misspellings, misinterpreted sexual advances, mistakes in Kanji meanings, and of course infection and other serious risks. So it's best to have insurance that covers all potential claims, and PPIB has the experience in doing so. [Their staff are also tattooed.] PPIB is a member of the Association of Professional Piercers and the Alliance of Professional Tattooists.
Profession Program Insurance Brokerage, a new sponsor of Needles & Sins.
We asked Susan Preston, the founder and president of PPIB, to give us examples of insane claims against tattoo shops she's seen. Here's her stiletto heels story:
A shop cannot control what women wear into their shop. For some unknown reason women like to wear stiletto heels to their friendly neighborhood tattooer or body piercer. In the last 4 years, we have had three claims from stiletto heels. The most notable one was in a shop that had a checkerboard floor. The woman claimed the floor made her dizzy and that is why she tripped and fell. One and one half years later, we had paid out a total of $49,000 in defense of this claim. The woman did not receive a dime from the insurer because the stiletto heels were a good defense of ours. A woman really wears them at her own risk. Be that as it may, if the shop did not have insurance that $49,000 in legal fees and defense would have come out of their own pocket or they would have had to declare bankruptcy.Then there's one about a tattoo artist's dog biting his (then) girlfriend in the shop:
If your dog bites someone, there is no defense in law. The dog owner is totally liable. When a dog bites your significant other in your tattoo shop because he is jealous of the affection, it could test the relationship to the max. If the desire is to keep the significant other from suing, the dog owner may need to keep the lover around at least as long as the statute of limitations in the state. In a state with a statute that is 3 or 4 years, this could be a really bad thing. When this happened to one of our tattoo clients, the shop/dog owner decided the woman was not worth it so he booted her out of his life. And guess what? He got a lawsuit from her. Luckily the bite was more of a nip, so the payout was not too big. While the girlfriend is long gone, the dog is still around, although not in the tattoo shop.
Contact them at www.tattoo-ins.com or 415-475-4300 for more info.