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Doris Said:

What type of insurance should I buy for my painting business?

We Answered:

Insurance does not work that way. The shortest term policy you will be able to purchase for a contracting business would be annual.

You should have General Liability and Workers Compensation, those are the two biggest ones of which people will ask. The GL should be relatively inexpensive; maybe $1,000 per full-time employee and $700 per part-time. Workers Comp should run you around 10% of the company payroll for the painting class.

Contact a local agent, they will be able to quote you up 1, 2, 3.

Tim Said:

How much does it cost to buy insurance for a small business?

We Answered:

go here http://gsx1.com/InsuranceComparison.html
on the next page click on "business" then get quoted

Colleen Said:

how old do you have to be to buy insurance?

We Answered:

I don't think there is a minimum age for most types of business. Chances are all you need is a liability policy unless you have employees. Liability insurance is not expensive for most self employed people. Ask an insurance agent in your town.

Jennifer Said:

Do you have to buy insurance or have a license for doing individual tattoo business?

We Answered:

Yes you should get liability insurance for your business. Also you need to legally file papers to start a business and make it a corporation NOT a proprietorship. because say something bad happens and you get sued. Well if you are a proprietorship or partnership they can sue you and take away your house and everything you own in your personal and professional life.
However if you set up the business as a corporation the person suing you can only take equity out of the business. That means all your personal belongings like a home, your car, your boat, etc cannot be taken in the lawsuit.

Also you need to make sure you have a professional tattoo license AND that you have a business location that meets all board of health codes.
If you work at a store for someone else I suggest that you get liability insurance for yourself just in case. Also as an employee of that shop you cant do any side business like do them at home etc. So dont risk your license (and liability insurance would only cover work you do at the tattoo parlor not anywhere else) by doing illegal tattoos.