- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
Body Piercing Insurance
Specialized Insurance for Body Piercing Businesses
Why do I need Body Piercing Insurance?
Running a body piercing business comes with inherent risks. Errors or miscommunications can result in lawsuits from unhappy customers. While many companies offer business insurance policies, most do not cover services related to tattooing. In fact they often specifically exclude them. Consequently, if a client sues over a procedure, you would be unprotected and responsible for covering the settlement out of your own pocket. Such settlements can be substantial enough to potentially force your business to close permanently.
Why choose PPIB for your Body Piercing Insurance?
Our Body Piercing Insurance policies offer comprehensive coverage to fill the gaps left by other policies, ensuring you are fully protected. Our policies include essential Professional Liability and General Liability coverage as well as sexual abuse coverage to guard against potential lawsuits. We also provide customizable insurance options with optional coverages to protect all aspects of your operations, such as property coverage, cyber protection, products liability, hired/non-owned auto, and more.
At PPIB, we don’t just offer customizable coverage; we tailor your policy to match the specific services you provide. If you only need coverage for body piercing, your policy can be designed to cover just that. As your business grows and offers additional services, we can add them to your policy as needed.
Our commitment to excellence guarantees that body piercers and businesses receive unmatched support and security. Trust us to protect your artistry and professional aspirations with our industry-leading Tattoo Insurance.
What Services Can Be Covered Under Body Piercing Insurance?
Professional Program Insurance Brokers (PPIB) offers cosmetics insurance coverage for many different services, including:
Body Piercing
Gauging
Surface Piercing/Dermal Anchors
Dermal Punch - within state and local regulations
Tooth Jewels
Decorative Tattoo
Permanent Cosmetics
Teaching/Apprenticeship Programs
Additional Services We Can Cover
- Microblading
- Scar Camouflage
- Cover Up Work
- Surface piercing/dermal anchors
- Tattoo & Piercing for Minors
- Guest artists / piercers
- Henna Tattoo
- Aesthetics
- Permanent Jewelry
- Private Labeling of Products
- Manufacturers / Distributors
- Pigment Removal
But wait, we can cover MORE!
Just because it’s not listed above doesn’t mean we don’t cover it. If you have a medical spa business with other operations we are able to consider it. Contact us to find out if it fits in our program.
Coverages For Body Piercing Insurance Offered Nationwide
- Up to $2,000,000/$3,000,000 Limits
- Property – including in transit
- Cyber Protection
- Hired/Non-Owned Auto
- Professional Liability
- Communicable Disease
- Products Liability including Private Label Products
- Flash
- General Liability
- Sexual Abuse
- Excess Liability
- Events/Conventions
Why Body Piercing Insurance With PPIB?
- Knowledgeable claim handling and underwriting staff
- Nationwide Reach
- Online Portal Access
- Customizable Coverage Options
- Dedicated support to assist you every step of the way
Frequently Asked Questions
Body piercing insurance provides coverage for the unique risks and liabilities associated with the beauty industry. Our policies include professional & general liability with additional optional coverages to customize coverage based on your business needs.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable microblading policies to endure that your coverage aligns with your specific business needs.
Yes, they can be. If they are your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name then we can also include them. If they are working under a different business name then they will need to obtain their own coverage and name you as an additional insured.
We can extend coverage to guests artists/piercers as long as they have at least one year experience and do not stay more than 30 days. To add a guest artist/piercer to your policy you would need to contact us before they start to add them to the policy.
The cost of body piercing insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy. Here are some key factors that influence the cost of body piercing insurance:
- Size and scope of business – The size of your business, whether you have a shop or you are an individual piercer can impact the insurance cost. Larger risks with more artists and offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the shop.
- Type of service – Some services are more invasive than others which create more long term problems if a claim were to arise. Therefore the type of services being performed may impact the insurance cost.
- Claims history – Insurance companies consider the claims history of your body piercing business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.
- Safety measures and risk management practices – Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims
Definitely. The general liability policy of the business you rent space from most likely covers their operations only, and clients coming into their business. You are a separate entity since you rent a space from another business. General liability provides peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone body piercing insurance policy covering only the services you need.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.
Yes, body piercing insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the service being provided. Some of the main exclusions are:
- Suspension
- Piercing to the eyes
- Dermal punches if not within state regulations.
- Surface anchoring or surface piercing if the piercer has less than 2 years experience performing piercings.
It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.
The use of consent and aftercare forms are required for all body piercing service. We can provide pre-approved forms if you do not have your own. If you wish to use forms you have created we will require you to provide copies to our office for review. If you would like to use our pre-approved forms for convenience please click here to access our consent forms.
If you plan to use your own consent forms, it’s crucial to highlight certain risks associated with the procedures. Your consent forms should include the following points:
- Disclose the risk of an allergic reaction and/or infection.
- Confirm the client’s age is 18 years or older or have a place for the parent/guardian can sign.
- Obtain consent to use your client’s photos for marketing purposes.
Please check with your state requirements as to what the statute of limitation are for your service. Statues of limitations are usually a minimum of 2 years with some states going to 6 or more years.
Click the Apply Now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.
- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage, division of Specialty Program Group LLC. Doing business in California as SPG Insurance Solutions License No. 0L09546.