Cochrane & Company offers a focused Tattoo and Body Piercing Insurance program designed for the unique exposures of tattooing, permanent makeup and body piercing professionals. As a Managing General Agency with niche-market expertise, Cochrane & Company gives independent agents and brokers a streamlined way to place risks that require specialized underwriting and limits tailored to this industry.
Ideal Accounts and Appetite
This program is ideal for agents placing:
- Experienced tattoo artists with at least three years of verifiable experience or formal training certification
- Experienced body piercers with equivalent experience or training
- Apprentice artists and piercers who operate under qualified, documented supervision
The program can accommodate single-operator shops up to multi-artist studios. Retail jewelry sales are acceptable when annual jewelry sales are under $25,000 and the location maintains a central station alarm system.
Example accounts you might place with this program:
- A two-artist shop in Oregon where both artists have certification and the studio maintains a documented sterilization protocol.
- An apprentice working under a licensed mentor in Washington, with the shop’s overall exposures managed by the supervising artist.
Coverage Highlights and Advantages
Property Coverage:
- Available on Basic, Broad, or Special Form
- Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually
- Equipment breakdown coverage included automatically
- Optional Inland Marine coverage for mobile equipment or mobile artists
- Low minimum premiums to support independent operators and smaller studios
General Liability and Professional Liability:
- $2,000,000 General Aggregate
- $1,000,000 Products/Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- $1,000,000 Each Occurrence
- $100,000 Damage to Rented Premises
- $5,000 Medical Payments
- $100,000/$300,000 Sexual/Physical Abuse coverage
- $100,000/$3,000 Assault and/or Battery coverage
- $1,000,000 Professional Liability Each Claim with a $2,000,000 Annual Aggregate
Underwriting Notes and Minimum Premiums
Underwriting emphasizes credentials and verifiable experience. Key considerations include artist certifications, documented infection-control procedures, supervisory arrangements for apprentices, and studio security. Theft coverage requires a central station alarm and limited jewelry revenue.
Minimum premiums vary by state and risk characteristics; the program is structured to remain accessible for smaller operators while reflecting the risk profile of each account.
Territories and Availability
This program is available to agents and brokers placing business in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Coverage is written on a non-admitted basis, with carrier placement varying by individual risk characteristics.
Why Work With Cochrane & Company?
Cochrane & Company brings decades of MGA experience in niche markets. The firm combines responsive underwriting with program features tailored to tattoo and body piercing operations, giving agents access to flexible coverages and specialty limits not always available in the admitted market. Cochrane prioritizes clear risk guidelines and quick, practical responses to placement questions, which helps speed submissions and bind decisions for your clients.
If you have clients in this niche—whether a single-artist studio, a multi-artist shop, or an apprentice under supervision—Cochrane & Company provides a reliable non-admitted market option designed for these exposures. For more information on our Tattoo and Body Piercing Insurance, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program targets tattoo and body piercing professionals with at least three years of experience or formal training, plus apprentices supervised by experienced mentors. Studios with limited jewelry sales and proper security systems also fit well.
Is coverage available for new or apprentice artists?
Yes. Apprentice artists are eligible when they operate under a mentor who has at least three years of experience or holds relevant certifications and the supervision is documented.
What states is this program available in?
Cochrane & Company offers this program in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming.
Is the program admitted or non-admitted?
This program is written on a non-admitted basis and placements are made with carriers appropriate to the specific risk profile.
Are there coverage options for theft or equipment breakdown?
Yes. Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually. Equipment breakdown coverage is included automatically.
Need help placing an account? Connect with a market specialist.