A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Product Reaction
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCEANRIO
A cosmetic tattoo artist supplies an aftercare balm to a client to use after a brow procedure. The client later develops a skin reaction and alleges the product caused injury and required medical treatment. The client seeks compensation for treatment costs and related expenses.
WHY IT'S COVERED
Product liability cover may respond to claims alleging injury caused by products you sell or supply to a third party, subject to the policy terms and exclusions.
Product Reaction
SCEANRIO
During a cosmetic tattoo appointment, equipment is accidentally knocked over, damaging the client’s personal belongings. The client seeks compensation for repair or replacement.
WHY IT'S COVERED
Public liability cover can respond to claims for accidental damage to third-party property arising in connection with your cosmetic tattoo business activities.
Accidental Damage to Client Property
SCEANRIO
A cosmetic tattoo artist performs a permanent makeup procedure on a client. Following the treatment, the client experiences an adverse skin reaction and later alleges the procedure caused injury. The client makes a claim seeking compensation for medical treatment.
WHY IT'S COVERED
Civil liability cover can respond to claims alleging personal injury arising from the provision of cosmetic tattoo services, including associated legal defence costs.
Adverse Reaction or Complication
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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Do cosmetic tattoo artists need professional indemnity insurance?
It is often recommended to get professional indemnity insurance, because cosmetic tattooing is a hands on service and a client can allege you caused harm or loss through the treatment.
Do cosmetic tattoo artists need professional indemnity insurance?
It is often recommended to get professional indemnity insurance, because cosmetic tattooing is a hands on service and a client can allege you caused harm or loss through the treatment.
Does cosmetic tattoo insurance cover infection claims?
It depends on what happened and what the client is claiming for. If a client alleges an infection from a cosmetic tattoo procedure and makes a civil liability claim, that is the type of scenario that may fit within civil liability cover, because “personal injury” in this wording includes sickness and disease.
Does cosmetic tattoo insurance cover infection claims?
It depends on what happened and what the client is claiming for. If a client alleges an infection from a cosmetic tattoo procedure and makes a civil liability claim, that is the type of scenario that may fit within civil liability cover, because “personal injury” in this wording includes sickness and disease.
It depends on how you work, where you work, and what your clients or venue require. Many cosmetic tattoo artists look at a professional or civil liability style cover for claims connected to the services they provide (as listed in the schedule).
It depends on how you work, where you work, and what your clients or venue require. Many cosmetic tattoo artists look at a professional or civil liability style cover for claims connected to the services they provide (as listed in the schedule).
How much does cosmetic tattoo artist insurance cost in Australia?
Pricing varies, because it depends on your business details and the insurer’s pricing at the time. Costs are often influenced by the treatments you provide, your turnover and whether you employ staff, where you operate (home studio, rented room, salon, or mobile), your claims history, and the limits and excess you choose. If you sell aftercare products, insurers may also factor in the product liability exposure.
How much does cosmetic tattoo artist insurance cost in Australia?
Pricing varies, because it depends on your business details and the insurer’s pricing at the time. Costs are often influenced by the treatments you provide, your turnover and whether you employ staff, where you operate (home studio, rented room, salon, or mobile), your claims history, and the limits and excess you choose. If you sell aftercare products, insurers may also factor in the product liability exposure.
Why Do Beauty Salons Need Indemnity & Liability Insurance?
Owners of beauty salons generally buy indemnity and liability insurance. If you're wondering why a beauty salon needs indemnity & liability insurance, read on.
Are you wondering what a cosmetic tattoo artist is? Or what's the difference between a tattoo artist and a cosmetic tattoo artist? This article is for you!
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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