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Tattoo & Body Piercing Artist Insurance Program

Combines General Liability and Property with key coverage extensions and risk management services

The Tattoo & Body Piercing Artist program offers access to Property with key coverage extensions and GL with Professional Liability with an exclusive carrier. Optional coverages for communicable diseases, permanent make-up artists and basic or broad forms for piercers round out this competitively-priced program. Minimum premiums start at $250 for Property and $500 for General Liability.

Program Highlights

  • Many key coverage extensions available at no additional costs
  • Minimum premium:
    • General Liability – $500
    • Property – $250

States

  • Nationwide, excluding AK & HI

Target Classes

  • Tattoo parlors and body piercing facilities, including:
    • Jewelry sales
    • Permanent make-up

Coverage

General Liability

  • Limits up to $1M / $3M
  • Premises Liability, Products-Completed Operations
  • Assault and Battery Coverage may be available (check with your program underwriter)

Professional Liability

Property

  • Building
  • Business Personal Property
  • Business Income and Extra Expense
  • Many key coverage extensions available

Optional Liability

  • Piercers may choose: basic coverage (ears, nose, lip and navel) or broad coverage (basic plus eyebrows, nipples, genitals, tongue, feet, axilla, hand, surface piercings and dermal anchors)
  • Coverage for conventions attended
  • Coverage for permanent make-up artist
  • Communicable Disease sub-limit ($25,000 / $25,000, $50,000 / $50,000, $100,000 / $100,000) – coverage designed to support claims resulting from contracted diseases
  • Hired and Non-Owned Auto Liability ($1,000,000)
  • Employee Benefits Liability

Submission Requirements

  • Supplemental Application
  • 3 Years currently valued Loss Runs
The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. RSG National Specialty Programs is a unit of the RSG Underwriting Managers division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty Group, LLC (RSG). Thirty-year industry veteran Chris McGovern manages all 25+ RSG National Specialty Programs. RSG National Specialty Programs works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516). ©2021 Ryan Specialty Group, LLC

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