Parmia Insurance, home of NIBA’s 2013 Australian Insurance Broker of the Year and QLD Young Professional of the Year, have taken on the tattoo and body piercing sector, developing two exclusive policies that aim to provide the difficult to cover industry with greater protection than ever before.
Tackling the challenging profession after seeing many businesses struggle to find insurance, Parmia’s policies, which are underwritten by world leading insurer Lloyd’s of London, uniquely provide tattoo practitioners with comprehensive coverage.
The firm’s tailored Industrial Special Risks (ISR) Policy provides property cover for tattoo studios, as well as property owners with tattoo studio occupancies. Property owners may also take advantage of Parmia’s additional Public and Products Liability Policy.
Founder and director of Parmia, Danny Gumm states that together with its existing combined Medical Malpractice, Public and Products Liability Policy, they ensure professionals working in all areas of the tattoo industry gain the maximum protection available.
“It was about finding a solution for those working in the industry, who were being affected by the many negative stereotypes associated with tattoo and body piercing,” he said. “In order for their business to survive, they needed someone who was willing to take a chance on them and that is what we’re aiming to do.”
Mr Gumm continues stating the firm was more than up for the challenge, with Parmia preferring to work with industries where it can develop solutions that will make a real, positive difference to businesses.
“We like to find an industry facing challenges, that we can immerse ourselves in”, he said. “Together with the client we develop a risk analysis, which identifies their concerns and enables us to better address their insurance requirements”.
However while Parmia’s policies are a significant breakthrough for the tattoo industry, cover is subject to strict criteria with unacceptable risks including criminal conviction and businesses that have been established less than 18 months.
“We have entered into this market knowing full well the risks and negative connotations,” explained Mr Gumm. “Obviously while we want to help businesses in the tattoo and body piercing industry gain cover, we also need to ensure that each applicant meets the criteria prior to evaluating their application for insurance.”
Established in Queensland in 2002, Parmia Insurance continues to work with Australian associations and industries and is currently in partnership with over 15 associations across Australia ranging from beauty and health to technology and the creative industries.
Parmia prides itself on delivering personal, award winning service and on developing industry specific insurance policies that address the needs of its clients.
“Every industry we assist has its own unique risks that have to be addressed so we treat it as a priority to always meet personally with our clients to resolve any issues they face and to minimise the exposures of their industry,” Mr Gumm said.
For more information on Parmia Insurance and its work with the tattoo and body piercing industry, please visit www.parmiainsurance.com.au.
Media Enquiries: Suzanne Ross at Graymedia on 07 3250 9406, 0488 441 589 or email s.ross@graymedia.com.au.
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