Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for tattoo shops, piercing studios, and permanent makeup artists. We know your risks—and we know which carriers will actually cover them.
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The reality
The moment needles are involved, standard liability policies disappear. Hep C. HIV. Staph infections. You need coverage specifically designed for the risks you actually face—not a policy that excludes them in the fine print.
A client regrets their tattoo. A piercing gets infected. An allergic reaction to ink shows up weeks later. Professional liability isn't optional when your work lives on people's bodies forever.
Most commercial leases require general liability. Most carriers won't write tattoo shops. You're stuck in limbo—can't sign the lease without insurance, can't find insurance that covers what you do.
"We work with carriers who specialize in body art. They understand sterilization protocols, licensing requirements, and what actually happens in a tattoo shop."
From needles to ink, we've got your shop covered.
Covers bodily injury, allergic reactions, and property damage at your shop
Protection against claims of negligence, botched work, or scarring
Essential coverage for needle-related incidents and infection claims
Protects your equipment, furniture, flash art, and shop build-out
Coverage for artists and staff injured on the job
For inks, aftercare products, and jewelry you sell or use
Specialized coverage for body art professionals
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Tattoo insurance is a commercial insurance program built around the risks of a tattoo business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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