Tattoo Insurance & Body Piercing Insurance | Allen Financial Insurance Group

Tattoo Shop Insurance & Body Piercing Insurance

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Tattooed Woman
 National A rated Admitted & Non-Admitted company
 Low Preferred Rates
 Immediate Quotes
 Easy Payment Plans
 24 / 7 Claims Service
 Immediate Certificates of Insurance

A tattoo is a true poetic creation and is always more than meets the eye.  As a tattoo is grounded on living skin, so it’s essence emotes a poignancy unique to the mortal human condition.    
~ V. Vale and Andrea Juno

When the designs are chosen with care, tattoos have a power and magic all their own.  They decorate the body but they also enhance the soul.  
~Michelle Delio

Association Endorsements

The AFIG Tattoo Insurance & Body Piercing Insurance Program is custom designed to meet the unique needs of tattoo artists, permanent cosmetics and body piercing professionals.  It is a national A rated insurance  program  created by tattoo and piercing professionals for tattoo and piercing professionals.  Our policy is written on a full occurrence, comprehensive liability form for your protection and peace of mind.

Lets face it.  It’s a tough economy and you need every advantage to succeed.  That’s especially true when it comes to choosing your professional studio insurance policy.   It’s also important that your business be protected by a policy specifically designed for your operations.  Allen Financial has been serving the professional insurance community since 1971.

This comprehensive insurance plan gives you the ability to buy broad property and professional liability coverage at Ultra Preferred rates.  The AFIG Tattoo & Body Piercing Insurance Policy could save you 20% or 30% over your current policy.  Our promise is to deliver better service and more coverage for the insurance dollar than any competitor.

AFIG knows your business needs.  We have over forty years of experience in business and specialty professional liability insurance.  Our underwriters are directly involved in the tattoo and body piercing industry and some are artists as well.

Our Guarantee

Highest Quality, Broadest Coverage & Lowest Prices

Tattoo Insurance Policy Features in this program include:


  Liability Insurance for Tattoo Studios, Tattoo Artists & Guest Artists
  Permanent Makeup Cosmetics Liability Insurance
  Body Piercing Liability Insurance including minors
  Tattoo Show & Convention Liability Insurance coverage included!
  Communicable Disease Liability Coverage
  Sexual Abuse & Molestation Liability Coverage
  Tattoo Schools & Apprenticeship Insurance Programs
  Needling / Muti-trepannic Collagen Actuation (MCA)
  Camouflage Coverage
  Infectious Disease Coverage
  Business Property Coverage including:
  Contents, Business Income, Flash, Glass & Signs
  Beauty Salon Services Program
  New Ventures are Welcome

Commercial & Professional Liability in this program include:


  Tattoo & Body Piercing Artist Professional Liability
  Tattoo Show Liability Insurance coverage included!
  Guest Artists, Apprentices & Independent Contractors
  Products & Completed Operations Liability
  Personal Injury & Advertising Injury Liability
  Contractual Liability
  Communicable & Infectious Disease Coverage
  Full Occurrence Professional Liability   (Not Claims Made)
  Unlimited Defense Coverage

  Medical Payments Coverage

  Landlords & Venues Named As Additional Insured

Things You Need To Know

     Things You Should Know:

Why Do I Need Professional Insurance?

The business general liability, commonly referred to as CGL, provides comprehensive coverage  for operational exposures such as your premises, sub-contractors and products liability.  The CGL policy does not cover your professional liability for mistakes inherent in the practice of your profession.    This exclusion applies not only to bodily injury and property damage but also to pure economic loss.  The Professional Liability policy  protects you against negligent acts, errors or omissions during the course of providing your professional services.

What Does The Business General Liability Policy Cover?

This policy was specifically designed to protect your business anywhere in the United States, it’s territories or Canada.  The general liability policy will pay the damages imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.  Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs.  The policy can also add your landlord, sponsors, volunteers and independent contractors as additional insureds.

Communicable disease liability insurance

Clean equipment and unused sterilized needles are extremely important when doing tattoos and piercings. As a tattoo shop owner, you likely take great care to protect the health of your customers. For example, you may face a lawsuit if a client is sickened by a blood-borne illness. Sometimes, these lawsuits bear no merit, but you will still need to defend yourself, often at a great cost. This coverage can protect you from such losses.

Apprenticeship program insurance

Most tattoo artists learn their trade through apprenticeship programs. If you offer this in your shop, this coverage will permit your policy to cover your apprentice, within limitations, as it does your named employees.

Guest artist or piercer insurance

Similar to the apprentice program coverage, this will allow you to add an additional temporary employee onto your coverage for a limited amount of time. This coverage is less restrictive that apprenticeship coverage.

Coverage at conventions

Sometimes you may want to display your talents and do tattoo work at conventions. This coverage will provide you with liability and property damage coverage while you are working off-site, and is often required by convention hosts if you plan to do work at the event.

Permanent makeup insurance

If your shop offers permanent makeup services, such as lip-liner, eye-liner or brow tattooing, you will need to be sure to have coverage for these services. Eye-liner tattoos, in particular, present the risk of damage to the customer’s eye and this can result in a hefty lawsuit. All permanent makeup tattoo artists in your shop must be properly certified in order for you to have this coverage.

Certificate of Insurance vs Additional Insured Endorsement

When renting a premises or attending a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions.  More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy.  The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.

What is Waiver of Subrogation?

Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation.  Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages.  Suppose you experience a financial loss due to the negligence of a third party.  Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party.  In essence, your insurance company has been given your rights of recovery after paying your claim.  Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy.  If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party.  If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.

What is Third Party Property Damage Liability (Care, Custody, Control Liability)

Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured.  Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for direct physical damage the the rented premises.

Property insurance

Also known as contents coverage, this insurance provides compensation for losses to your tattoo guns, body jewelry, chairs, tables, and flash. Covered losses generally include those caused by fire, severe weather, vandalism and theft. Some weather events, such as earthquakes, may require additional endorsements, or riders, for you to have coverage.

Be aware that flood damage is almost always excluded from business insurance coverage, so if your business is located in a flood-prone area, you will need a business flood insurance policy as well. An agent in the Trusted Choice network can provide you with more information about NFIP-backed flood insurance and can help you secure a policy if you feel this coverage is necessary.

Understanding Claims Made Insurance – Claims Made vs Occurrence Form Liability

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