Marine Agency is proud to be The Hartford’s exclusive agent for tattoo workers’ compensation coverage throughout USA. 

Our workers’ compensation program is about more than just insurance coverage.

Customers of The Hartford have access to programs that could help improve the health of their businesses and the safety and well-being of their employees. Through special arrangements with Shoes for Crews®, Herman Miller® and Accurate Background Employment Screening, you and your employees could receive significant discounts on products and services that may reduce the likelihood, and potentially the severity, of work-related injuries. Helping control claims costs could have a positive impact on future workers’ compensation premiums, which is great news! With access to special services, industry-leading coverage and claims management programs that set the standard for injured worker care – you’ve got a system of well-being for your employees.

SHOES FOR CREWS

Risk

A slip, trip or fall in the workplace hurts both you and your employees – medical expenses, days off from work and lost wages are difficult both financially and emotionally.

Reality

According to the National Floor Safety Institute, slips, trips and falls are the leading cause of workers’ compensation claims.

• 1M+ visits to the ER annually
• 11 days: median time off following a slip, trip or fall
• 85% of accidents are from slick floors
• 10K claims annually
• $20K – $30K avg cost per claim

Solution

Shoes for Crews offers discounts on slip-resistant footwear. Discounts range between 15% and 25% depending on the shoe purchased.

Advantages

• Improve worker safety, morale and efficiency.
• Can help reduce workers’ compensation losses, which could have a positive impact on future premiums.

ACCURATE BACKGROUND EMPLOYMENT SCREENING

Risk

Hiring practices that don’t adequately evaluate new hires may contribute to rising employee-related injury claims and increase your liability.

Reality

Nearly three in four employers are affected by a bad hire

• 46% of employment, education, or reference checks revealed discrepancies
• 70% of college students said they would lie on a resume to get a job they want
• 74% of all drug users are employed

Solution

Through a partnership with Accurate Background Employment Screening, customers of The Hartford have access to employment-related services at a discounted rate. Types of services available include: background checks, drug testing and employment/license verification

Advantages

• Helps reduce the potential risks associated with your hiring practices.
• Convenience of a new hire screening process that minimizes paperwork and keystrokes.

HERMAN MILLER

Risk

Mounting medical evidence suggests that limited movement and poor workplace  ergonomics can lead to significant health risks, which can impact the health of your employees and your bottom line.

Reality

• Each year, back pain costs companies an estimated $7.4B
• At age 60, our eyes need 3x as much light to see as they did at 20
• 8 out of 10 workers experience back pain at some point

Solution

Through an exclusive partnership with Herman Miller, customers of The Hartford have access to special program pricing on high-quality ergonomic office furniture.

Advantages

• Ergonomic furniture and tools can help reduce the likelihood of workers’ compensation, health and disability claims.
• Improved environment and employee experience can help boost productivity.

Workers’ Compensation Insurance Information

Workers compensation insurance covers many of the expenses incurred when an employee becomes injured on the job or sustains an employment-related illness. If an employee is injured or ill, the insurer will help to cover the employee’s essential costs like medical care, lost wages and more.

Affordable workers comp insurance coverage may also protect you from legal problems. Most states require employers to purchase workers compensation insurance coverage. Failing to obtain adequate insurance may result in financial penalties and other sanctions. If you don’t carry a policy, you may also find yourself facing lawsuits from any workers who become injured or ill while you are uninsured.

Coverage from Marine Agency

Here at Marine Agency, we offer affordable workers compensation insurance for tattoo shops and other businesses throughout the United States. We can provide coverage to employers in all states, including NJ, Florida, and Texas, with the exception of North Dakota, Ohio, Washington and Wyoming.

Don’t get caught without workers compensation coverage. If you are currently uninsured, think you may be paying too much for workers compensation insurance, or want to learn about our other important business insurance policies…

Marine Agency has been inking body piercing insurance policies since 1990.

Use our 32 years of tattoo & body piercing liability insurance experience to get the right coverage at the right price. No nonsense, straight answers, real insurance. Get complete insurance coverage for your tattooing body art or body piercing studio through Marine Agency’s insurance program. Marine Agency’s tattoo & piercing insurance policies include:

• Abusive Acts (physical abuse & sexual molestation) Liability
• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.)
• Temporary guest artists covered automatically
• Surface piercings covered automatically
• Genital piercings covered automatically
• Liability coverage automatically follows you to off-site work including while exhibiting at shows and fairs
• Independent Contractors included as insureds

Buy what you want. Most coverage offered on a cafeteria basis – need everything? Great! Only want professional liability coverage? No problem! But we suggest every body piercing & tattoo shop have these policies.

Marine delivers the best available, most comprehensive tattoo and piercing insurance program.

Commercial coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
All liability coverage is purpose-built for the services you perform.
Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!

Get body piercing & tattoo insurance today.

Marine Agency is proud to support the Alliance of Professional Tattooists and the Coalition for Tattoo Safety.

From solo laser operators to full-service medispas including Botox and dermal filler injections, look no further than the malpractice insurance experts at Marine Agency. Get complete insurance coverage through Marine Agency’s cosmetic laser & medispa insurance program for laser & medispa businesses. We provide a variety of options from laser hair removal insurance to medical spa insurance that covers popular services such microblading and more.

Marine Agency has been the recognized leader in laser & medispa insurance since 1999. We understand the unique challenges in running your medispa business and have experience underwriting the broad range of treatment modalities offered at today’s medispas. Our policies for laser & medispa businesses include:

• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.) for business contents and/or buildings (if owned)
• Optional Business Interruption Coverage
• Off-site services (including botox parties) coverage is available
• Independent Contractors included as insureds

Most coverages are offered on an a’la carte basis – need everything? Great! Only want professional liability coverage? No problem!

Get Medispa & Laser Hair Removal Insurance today.

Electrology insurance is Marine Agency’s specialty. Get complete spa liability insurance coverage for your electrology studio through Marine Agency’s electrology insurance program.

Marine Agency has been the recognized leader in electrology insurance coverage for 47 years (since 1975). We understand the unique challenges in running your electrology business and have an intimate understanding of all the different hair removal services you provide. Our policies for electrology studios include:

• Abusive Acts (abuse & molestation) Liability
• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.) for business contents and/or buildings (if owned)
• Optional Business Interruption Coverage
• Off-site services (including trade show demonstrations) covered automatically
• Independent Contractors included as insureds
• Most esthetic (skincare) and cosmetic treatments can be included at no charge

Most salon insurance coverages are offered on an a’la carte basis – need everything? Great! Only want professional liability coverage? No problem!

Marine delivers comprehensive insurance for electrology studios.

• Coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
• All electrologist liability insurance coverage is purpose-built for the services you perform.
• Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!
• Don’t hesitate to ask us any questions about spa business insurance you may have.

Get electrologist insurance today.

Use our 32 years of tattoo & body piercing insurance experience to get the right coverage at the right price. No nonsense, straight answers, real tattoo, body piercing, and microblading insurance, from tattooing eyebrows to permanent makeup and more. All forms of cosmetic tattooing are eligible including traditional machine method, microblading / embroidery, and SofTap®. Get complete insurance coverage for your cosmetic tattoo studio, including all of your permanent makeup artists and cosmetic tattoo artists, through Marine Agency’s cosmetic tattoo insurance program. Marine Agency’s expansive list of policies make our insurance some of the best tattoo insurance in the industry. Our cosmetic tattoo insurance policies include:

• Abusive Acts (physical abuse & sexual molestation) Liability
• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.)
• Saline pigment removal covered automatically (with proper training)
• Liability coverage automatically follows you to off-site work including while exhibiting at shows and fairs
• Independent Contractors included as insureds
• Instructor/School policies are available to cover students for hands-on work while in training.

How much is microblading insurance? With our insurance for microblading, your coverage price is based on what you need. Our insurance for permanent makeup allows you to buy only what you want. Most coverages offered on a cafeteria basis – need everything? Great! Only want professional liability coverage? No problem!

Marine delivers the best available, most comprehensive cosmetic tattoo insurance program for all forms of cosmetic tattooing.

Coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
All liability coverage of our permanent makeup insurance is purpose-built for the services you perform.
Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!

Contact Marine Agency today to get cosmetic tattoo insurance and microblading insurance coverage for your business!

Get cosmetic tattoo insurance today.

Barber & beauty insurance is Marine Agency’s specialty. Get complete barber & beauty liability insurance coverage for your barbershop, hair salon, or shaving parlor through Marine Agency’s barber & beauty insurance program.

Marine Agency has been the recognized leader in insurance for barbers & beauty specialists since 1975. We understand the unique challenges in running your tonsorial business. Our policies for barber & beauty shops include:

• Abusive Acts (abuse & molestation) Liability
• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.) for business contents and/or buildings (if owned)
• Optional Business Interruption Coverage
• Off-site services covered automatically
• Independent Contractors included as insureds

Most salon insurance coverages are offered on an a’la carte basis – need everything? Great! Only want professional liability coverage? No problem!

Marine delivers comprehensive business insurance for the barber & beauty industry.

• Coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
• All salon, spa, and hairstylist liability insurance coverage is purpose-built for the services you perform.
• Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!
• Don’t hesitate to ask us any questions you may have about beauty insurance, barber insurance, or any of our other business insurance options.

Get barber & beauty insurance today.

Day spa insurance is Marine Agency’s specialty. Get complete spa liability insurance coverage for your day spa, hair salon, skincare, microblading, bodywork, electrology, or yoga/pilates studio through Marine Agency’s day spa insurance program.

Marine Agency has been the recognized leader in beauty, electrology, and day spa insurance coverage since 1975. We understand the unique challenges in running your day spa business and have an intimate understanding of all the different skincare and bodywork services you provide. Our policies for day spa, salon, skincare, bodywork, electrology, and yoga/pilates studios include:

• Abusive Acts (abuse & molestation) Liability
• General (trip & fall, products) Liability
• Professional (malpractice) Liability
• Property Coverage (burglary, fire, theft, etc.) for business contents and/or buildings (if owned)
• Optional Business Interruption Coverage
• Off-site services (including out-call massage) covered automatically
• Independent Contractors included as insureds

Most salon insurance coverages you’ll find are offered on an a’la carte basis – need everything? Great! Only want professional liability coverage? No problem!

Marine delivers the best, comprehensive insurance for microblading, and medical spa insurance.

• Coverage is available throughout the lower 48 states and DC (everywhere but Alaska and Hawaii).
• All salon, spa, and hairstylist liability insurance coverage is purpose-built for the services you provide for your clients.
• Property coverage (not available in Florida) is written on a “special form”, or sometimes called “open perils”, policy. Instead of a short list of covered perils, we provide a short list of the ones that aren’t. If it’s not in the list, you’re covered!
• Don’t hesitate to ask us any important questions or for more information about our affordable day spa and salon insurance that you may have.

Get equipped with day spa insurance and protect your business today.