a person getting a piercing done by a professional

BODY PIERCING INSURANCE FOR
STUDIO OWNERS & PROFESSIONALS

The Alternative Balance Body Piercing Insurance program is an affordable body piercing liability insurance option for independent body piercing professionals and studio owners. We have the right body piercing insurance backed by "A" rated insurance carriers and our highly rated and loved customer service team.

Body piercing insurance from Alternative Balance includes coverage for independent professionals and shop & salon owners for the following services:

Dermal anchors
Surface piercing
Piercings to the eyebrows, genitals, nipples, ears, navel, oral cavity or
nose

If you also offer tattoo services, you can cover both services under one insurance policy! Customize this body piercing insurance according to your needs, with only one policy to manage. Plus, you can get covered in under 10 minutes! Your coverage starts instantly with our fast & simple online application.

WHAT IS BODY PIERCING INSURANCE?

Body piercing liability insurance from Alternative Balance is general liability and professional liability coverage specialized for the needs of the body piercing industry. This plan protects you from:

lawsuits resulting from your work,
slip & fall type accidents that happen to clients visiting your place of business, and
damage from fire to the space you rent or use for your work.

These coverages are essential to protecting your investment into your business and yourself as a professional. With the Alternative Balance plan, you don't have to be tied to one workplace. This body piercing insurance coverage follows you wherever you work, anywhere in the world

WHAT COVERAGE IS INCLUDED?

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

NOW INCLUDED WITH YOUR MEMBERSHIP!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your business—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

Do you need a custom quote?

Our instant online policies are optimized for solo, independent owners. You require a comprehensive review from our specialized insurance brokers if your business includes any of the following:

Employees or Independent Contractors: You hire staff to help run your body piercing studio. Note that independent contractors may be eligible for Alternative Balance membership. You can get compensation for referring them to us through our Affiliate Program. Earn $20 for each referral who joins using your link!
Strict Landlord Requirements: Your lease requires complex or higher-limit physical building coverage.
Multiple Locations: You operate your brand across more than one physical site.

Not a solo owner? Contact Our Broker Team Today for a full, customized policy review to ensure your multi-faceted business is fully protected.

Share this page!

General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use for 7 days or less. It does not apply to permanently leased locations.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

why choose AB?

Proud to be a 2024/2025 BBB Torch Awards for Ethics Finalist!

Featured Members

alternativebalance

2,156 1,783