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Professional Program Insurance Brokerage (PPIB) offers: Tattoo & Body Piercing Insurance. As a program administrator with decades of experience in niche markets, Professional Program Insurance Brokerage (PPIB) delivers tailored insurance solutions for the body art industry. Our Tattoo & Body Piercing Insurance program is designed to meet the unique risks faced by tattoo artists, body piercers, and shop owners across the country. Ideal Accounts and Appetite This program is ideal for: Independent tattoo artists and body piercers Full-service tattoo and piercing studios Shops operating mobile units or attending conventions Facilities offering permanent makeup or advanced body modifications Businesses with apprenticeship programs or that serve minors (where legally permitted) Whether your client is a single artist renting a booth or a multi-operator shop with multiple service offerings, this program can provide the comprehensive protection they need. Coverage Highlights and Advantages Our comprehensive coverage options help insureds manage a broad range of exposures common in the body art industry. Available coverage includes: Professional Liability – Protects against claims arising from the rendering of tattoo and piercing services. General Liability – Covers third-party bodily injury and property damage. Property Coverage – Optional coverage for the studio’s equipment and premises. Communicable Disease – Optional protection for claims resulting from disease transmission allegations. Sexual Abuse & Molestation – Available for qualified accounts. Coverage Extensions – Includes apprentices, landlords, mobile units, and event/convention exposures. We understand the nuances of the body art world, and our program reflects that with broad eligibility and flexible coverage options. Underwriting Notes This is a non-admitted program available in most states. Submissions should include a completed application and details of services offered. Coverage for minors, advanced procedures, or mobile units may require additional underwriting information. Territories and Availability This program is available in nearly every state, including but not limited to CA, NY, TX, FL, IL, and WA. We currently write business in all 50 states and the District of Columbia. Why Work With PPIB? PPIB has been a trusted partner to insurance agents and brokers for over 25 years, offering specialized programs that meet the needs of unique industries. Our in-depth knowledge of the tattoo and piercing space allows us to underwrite with insight and flexibility. We streamline the process so you can get your clients covered quickly and confidently. Contact Professional Program Insurance Brokerage (PPIB) for all your Tattoo & Body Piercing Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for tattoo and piercing shops, independent artists, mobile operators, and studios offering permanent makeup or advanced body modifications. Is coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underwriting review and local legal requirements. Can this program cover mobile units and conventions?Yes, we offer options to cover mobile units and participation in events or conventions, making it suitable for traveling artists and vendors. What coverages are included in the policy?The program typically includes Professional and General Liability, with optional Property, Communicable Disease, Sexual Abuse, and other key endorsements. In which states is this program available?This is a nationwide program available in all 50 states and Washington, DC, on a non-admitted basis. Need help placing an account? Connect with a market specialist.

Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Insurance for Tattoo and Body Piercing Artists 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.

Key Risk Groups: AI Risk offers a specialized Architects and Engineers Professional Liability program designed for small to mid-sized architecture and engineering firms with up to $3 million in annual professional billings. This program is available on an admitted basis in most states and a non-admitted basis in all other states except Delaware. It provides tailored solutions for a broad range of design and technical professionals, including but not limited to: acoustical engineers, agricultural engineers, architects, audiovisual engineers, building designers, civil engineers, communication engineers, construction material testers, construction managers (agency), design/build firms, electrical engineers, forensic engineers, graphic designers, HVAC engineers, interior designers, landscape architects, land surveyors, mechanical engineers, photogrammetrists, process engineers, project managers, space planners, structural engineers, and telecommunication engineers. Coverage Overview: This program provides Professional Liability coverage to help protect your insureds from claims of negligence, errors, or omissions in the performance of their professional services. Whether your client is an independent architect or part of a multi-disciplinary engineering firm, AI Risk helps safeguard their business against costly litigation and reputational damage. Ideal Accounts and Appetite: The program is best suited for design professionals and engineering firms with annual billings under $3 million. It covers a wide range of disciplines, allowing you to place business for niche specialists or firms offering multiple services. AI Risk has a strong appetite for firms involved in both traditional and emerging engineering fields, including telecommunication, forensic, and process engineering. Examples of good-fit accounts include: - A boutique architectural firm specializing in sustainable building design with $1.5 million in billings - A regional civil engineering and land surveying firm managing municipal infrastructure projects Coverage Highlights and Advantages: - Tailored Professional Liability coverage for architects and engineers - Access to A-rated carrier (AIG) - Flexible underwriting to accommodate a variety of disciplines and firm sizes - Admitted and non-admitted options available for broad state accessibility Underwriting Notes and Minimum Premiums: Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the client's risk classification and selected coverages. AI Risk underwrites each submission with attention to the unique risk profile of the firm, factoring in services offered, project types, and claims history. Territories and Availability: This program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis in most states and non-admitted in all states except Delaware. This broad availability makes it easier for you to place multi-state or regionally active accounts. Why Work With AI Risk: AI Risk combines underwriting expertise with responsive service to help agents and brokers efficiently place professional liability coverage for design professionals. The program is backed by AIG, offering financial strength and claims-handling confidence. As a managing general agency and carrier, AI Risk delivers both flexibility and deep market knowledge—making them a strong partner for placing hard-to-fit or niche architect and engineer accounts. Whether your client is a first-time buyer or a seasoned firm seeking better terms, AI Risk can help you deliver value and protection. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits small to mid-sized architecture and engineering firms with up to $3 million in annual billings. It covers a wide range of disciplines, including civil, structural, mechanical, and electrical engineering, as well as architecture and design services. Is the coverage admitted or non-admitted?Coverage is available on an admitted basis in most states and on a non-admitted basis in all others, except Delaware where non-admitted coverage is not available. What is the minimum premium for this program?Minimum premiums range from $3,000 to $12,500 for limits up to $1 million, depending on the risk classification and selected coverages. Which carrier backs this program?The program is backed by AIG, a financially strong and reputable insurance carrier. What services does AI Risk provide as part of this program?AI Risk offers underwriting expertise, access to A-rated markets, flexible terms, and responsive service to help agents place professional liability coverage for architect and engineer clients. Need help placing an account? Connect with a market specialist.

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