Tattoo & Piercing Studios Insurance
Most tattoo and piercing studios need a business owner's policy (BOP) and general liability. Expect to pay about $2,000–$10,000 a year for a business with $100K–$500K in revenue.
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Tell us where to send it and we will come back with the coverages worth quoting for tattoo parlors, what they typically cost, and which markets write the class. No call required, and we do not sell your details on.
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Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Tattoo & Piercing Studios businesses, key exposures include customer dissatisfaction. Common claims include customer dissatisfaction with result.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Tattoo & Piercing Studios businesses, key exposures include customer dissatisfaction. Common claims include customer dissatisfaction with result. Agent note: Bloodborne pathogen coverage may be excluded from standard GL policies
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. Agent note: Professional liability is essential for dissatisfaction and procedural claims
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Bloodborne Pathogen Coverage
recommendedBloodborne Pathogen Coverage provides specialized coverage tailored to the risks Tattoo & Piercing Studios businesses face. Key exposure: bloodborne pathogen exposure. Common claims include bloodborne pathogen exposure.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Bloodborne pathogen exposure
- Allergic reaction to ink
- Infection from procedure
- Customer dissatisfaction
- IC vs employee classification of artists
Carriers That Write Tattoo & Piercing Studios
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Specialist in professional liability and cyber coverage with deep expertise in service-based businesses. Online quote-to-bind is among the fastest for professional classes.
Digital-first carrier optimized for micro-to-small businesses. Fast quoting process with broad class appetite and competitive pricing for straightforward risks.
Cost Estimate
$2,000 - $10,000 for businesses with $100K - $500K revenue
Key Pricing Factors
- Annual revenue ($100K - $500K is typical for this class)
- Employee count (2-8 is typical)
- Number of artists
- Services offered (tattoo, piercing, removal)
- Sterilization protocols
- Health department compliance