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 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!

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get Participant Accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

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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.

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