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Ryan Specialty National Programs
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Ryan Specialty National Programs
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Tattoo and Body Piercing Insurance


Ryan Specialty National Programs offers a specialized Tattoo and Body Piercing Insurance program designed for tattoo parlors, body piercing studios, and related businesses. This program provides access to General Liability, Professional Liability, and Property coverage through an exclusive carrier, along with several optional enhancements to meet the needs of this unique industry segment.

As a program administrator with a national footprint, Ryan Specialty understands the risks faced by tattoo and piercing professionals. Whether your clients are artists attending conventions, permanent make-up specialists, or full-service shops offering body jewelry and piercings, this program offers tailored protection with competitive pricing and flexible options.

Ideal Accounts and Appetite

This program is designed for businesses in the tattoo and body piercing industry, including:
  • Tattoo parlors and studios
  • Body piercing shops
  • Permanent make-up professionals
  • Shops that also sell jewelry or body art accessories
Agents can confidently place accounts ranging from small independent shops to established studios with multiple artists. Coverage is also available for professionals who attend industry conventions or offer mobile services.

Coverage Highlights and Advantages

  • General Liability: Limits up to $1M/$3M, includes Premises Liability and Products-Completed Operations. Assault and Battery coverage may be available (check with underwriter).
  • Professional Liability: Designed for tattoo and piercing services where artistic and technical errors can lead to claims.
  • Property Coverage: Includes Building, Business Personal Property, Business Income and Extra Expense, with many essential coverage extensions at no additional cost.
  • Optional Coverages:
    • Basic or broad form liability for piercers
    • Coverage for permanent make-up professionals
    • Communicable Disease sub-limits ($25K/$25K up to $100K/$100K)
    • Convention attendance coverage
    • Hired and Non-Owned Auto Liability ($1M)
    • Employee Benefits Liability

Underwriting Notes and Minimum Premiums

To submit a risk, agents should include:
  • Completed supplemental application
  • Three years of currently valued loss runs
Minimum premiums start at:
  • General Liability: $500
  • Property: $250
This program is underwritten with flexibility in mind, allowing you to match the right coverage to your client's operations and exposures.

Territories and Availability

This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and WA. See the complete list of eligible states for more details. The program is written on a non-admitted basis through various carriers.

Why Work With Ryan Specialty National Programs?

Ryan Specialty National Programs brings niche expertise and underwriting precision to the tattoo and body piercing space. As a program administrator with deep industry knowledge, they can help agents place hard-to-insure businesses with confidence. You can expect responsive service, access to a competitive and flexible product, and support throughout the policy lifecycle.

If you have clients in the body art industry looking for tailored insurance solutions, Ryan Specialty's Tattoo and Body Piercing Insurance program is an excellent option.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program targets tattoo parlors, body piercing shops, permanent make-up artists, and studios that also sell body jewelry or attend conventions.

Is coverage available for communicable diseases?

Yes, optional communicable disease coverage is available with sub-limit options up to $100,000.

Can this program cover piercers performing advanced body piercings?

Yes, piercers can choose between basic and broad form liability options, including coverage for advanced piercings such as dermal anchors and surface piercings.

What are the submission requirements?

Agents must submit a supplemental application and three years of currently valued loss runs.

Is the program admitted in any states?

No, this program is offered on a non-admitted basis through various carriers.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Competitive
  • Min Premium:
    GL: $500; Property: $250

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CONTACT INFORMATION

LOCATION

10150 York Road, 5th Floor
Hunt Valley, MD 21030
800-366-5810
0B84526
View Map

AGENCY LICENSING

Broker Agreement
Agency and/or Individual Producer License(s)
Errors and Omissions Declarations Page (Min: $1M Limits)
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