How much does cosmetic tattoo insurance cost in Australia?

Combined professional indemnity and public liability cover for cosmetic tattoo artists is from $330/year, or $33/month with limits of $1m professional indemnity and $10m public and products liability, as of Sep '26. Cover depends on the policy and insurer you choose. Check the policy wording and its terms and conditions for what is and isn't included.

Every price includes GST and stamp duty where it applies. Stamp duty differs between states and territories, so the starting price may be higher or lower where you are. The starting prices do not include fees.

An upcover team member or an insurance broker can talk through what those limits mean for a practice like yours. For a figure based on your own treatments and setup, get a quote through upcover.

How much does cosmetic tattoo insurance cost per month?

On a monthly plan, cosmetic tattoo insurance is from about $33 a month for $1m professional indemnity and $10m public and products liability. The figure spreads the full-year total of about $395 evenly over 12 months. That total includes a financing charge equal to 20% of the policy price.

A monthly plan still pays for a 12-month policy, and its payment schedule and cancellation terms apply across that full period. Your instalment schedule depends on the plan you choose.

What cover do these cosmetic tattoo insurance prices include?

The starting price is for one combined policy with a single price. The combined policy includes professional indemnity and public and products liability, helping you avoid the cost of obtaining separate policies. Whether other combined policies include products liability varies between policy wordings, so always check with your insurance broker or the team at upcover.

Professional indemnity is designed to cover claims that your advice or services caused a client financial loss. Public and products liability is designed to cover claims for injury or property damage connected with your business or a product you supply.

Cosmetic tattooing insurance is not the same as tattoo parlour insurance.

Exclusions commonly include, but are not limited to:

• Infectious diseases
• Treatment, piercing or tattooing of genital areas
• Abuse
• Refunds, or the cost of redoing, correcting or improving your own work
• Treatments not listed on your policy schedule
• Claims and circumstances you knew about before the policy started
• Injury to your employees, which generally sits with workers' compensation

Important: This list is not exhaustive. Exclusions vary between insurers. Always refer to the policy wording and its terms and conditions for the exclusions that apply to you, and if you have questions you should speak to your insurance broker or the upcover team.

For the treatment and eligibility questions to settle before you compare prices, read our guide to cosmetic tattoo insurance in Australia.

What affects the cost of cosmetic tattoo insurance?

Your price may depend on factors including your industry classification, your revenue and the stage of your business. Licensing, professional or contractual requirements may also influence the limit of insurance you consider, which may affect the cost. Your existing controls and risk framework, your answers to insurers' risk questionnaires or proposals, and your recent claims history may also affect the total cost of your insurance.

Other factors may include:

• How you pay. Monthly plans arranged through upcover add a financing charge, so their full-year total is higher than the annual price for the same policy.
• The treatments you offer. The treatments you declare to the insurer may affect the price.

Insurers also ask about your turnover, any staff or contractors and your claims history, including complaints and known circumstances. Stamp duty depends on your state or territory.

What other costs should a cosmetic tattoo studio plan for?

The starting price is for the combined liability policy only. A studio with a fit-out, stock or staff may also consider these covers, each priced separately.

• Equipment and contents. Contents cover is designed to cover repairing or replacing machines, lighting, furniture and stock after insured damage at your studio. Portable equipment cover may extend to equipment you take to other locations.
• Theft. Theft cover is designed to cover business property stolen from your studio, such as machines, pigments and stock, subject to the policy terms. Many policies respond only where there are signs of forced or violent entry, known as theft from a locked building.
• Business interruption. Business interruption cover is designed to help cover lost income or ongoing costs, such as rent, after an insured event stops you trading.
• Cyber. Cyber insurance is designed to cover costs after a data breach or cyber attack, such as incident response, notifying affected clients and restoring records.
• Workers' compensation. Workers' compensation is designed to cover wages and medical costs when an employee has a work-related injury or illness. It is legally required for employers under the relevant state or territory scheme.

Business pack insurance bundles several covers into one policy and may include contents, theft and business interruption sections.

How do you compare two cosmetic tattoo insurance quotes?

Quotes compare fairly when each insurer receives the same treatment list and business details, and when you compare full-year totals rather than instalments.

Stamp duty, GST, fees and financing all form part of the total. A quote that looks lower before these charges may end up higher once you add them.

Leaving treatments off your disclosure to reach a lower price may leave that work uninsured and may affect a claim.

How upcover can help

upcover arranges professional indemnity and public and products liability insurance for cosmetic tattoo artists. upcover works with 80+ insurance partners and can arrange quotes from a range of insurers.

• 70,000+ businesses covered across Australia
• 4.9/5 customer rating
• 80+ insurance partners

Starting out, adding a treatment or moving into a studio? Get a cosmetic tattoo insurance quote based on your full treatment list, turnover and setup, or see options for beauty businesses.

Cosmetic tattoo insurance cost FAQs

Is microblading insurance cheaper than lip blush insurance?

In policies arranged through upcover, microblading, lip blush and other cosmetic tattoo work are listed under one occupation. Your quote depends on the full list of treatments you declare.

What is the starting price for cosmetic tattoo insurance?

Combined professional indemnity and public liability cover for cosmetic tattoo artists is from $330 a year, with limits of $1m professional indemnity and $10m public and products liability. Your own price may depend on factors including your treatments, turnover, location, limits and the options you choose.

Does the cosmetic tattoo insurance cost include equipment cover?

The figures cover liability insurance only. Contents or portable equipment cover, arranged separately, may cover machines, lighting, furniture and equipment you take elsewhere.

Are these prices for new or experienced artists?

Your quote is based on the qualifications and experience you disclose.

Do I pay separately for professional indemnity and public liability?

In policies arranged through upcover, cosmetic tattoo insurance commonly combines professional indemnity and public liability in one policy with one price. Quote structures can differ between insurers, and your quote shows what it includes.

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_{This article provides general information only and does not take into account your objectives, financial situation or needs. Cost figures are a guide, not a quote. All figures relate to combined liability cover only. Insurance availability and cover are subject to underwriting and the terms, conditions, limits and exclusions of the relevant policy. Read the policy wording and its terms and conditions before deciding. upcover arranges insurance products with selected insurers and underwriters and does not compare all general insurers or insurance products available in the market.}