Needles, jewelry & aftercare — covered.
Coverage written for body piercers: dermal anchors and surface work, a counter full of jewelry stock, the consent paperwork, and the aftercare advice you give a dozen times a day.
Every kind of piercer
Dedicated studios
Standalone piercing shops with multiple piercers and a jewelry counter.
Tattoo & piercing
Shared studios offering piercing alongside the tattoo chairs.
Single piercer
Solo, by appointment and private room body piercing practices.
High end jewelry
Studios carrying gold and gem stock where contents coverage matters most.
The exposures piercers actually carry.
From migration and rejection claims to the value sitting in your display case — priced around how piercing really works.
Book a risk advisor call →- Professional liability — alleged infection, migration, rejection or injury from a piercing.
- General liability — slips, trips and premises injury to clients and the public.
- Bloodborne pathogen coverage — the cross contamination exposure of needle work.
- Jewelry & stock — theft, loss and damage to counter and back stock inventory.
- Aftercare advice — protection for the guidance you give on healing and cleaning.
- Sterilization & equipment — autoclaves and tools, breakdown and replacement.
- Minors & consent — guidance and coverage aligned to your state consent rules.
Built for these claims
A migration claim
A client alleges a surface piercing migrated and scarred, and seeks the cost of correction. Professional liability funds the defense and any settlement.
Stolen jewelry stock
An overnight break in clears the gold counter. Contents and stock coverage replaces inventory so you can re open quickly.
An infection allegation
A healing piercing becomes infected and the client blames the studio. One advocate manages the claim from first notice to close.