Coverage, sharpened line by line.
Tattoo studio insurance, done properly: one tailored program that wraps every exposure a body art studio actually carries — from tattoo liability insurance to property, cyber and the convention floor — placed with established carriers and read to you in plain language.
Liability, built for the needle
Malpractice & healed result
Defends the work itself — alleged injury, infection, scarring, allergic reaction or a healed result a client disputes. The coverage generic policies quietly leave out.
Premises & the public
Slips, trips, falls and third party property damage on your floor. The everyday coverage landlords and conventions ask to see before you set up.
Aftercare & retail
Ointments, balms, jewelry and the products you sell or send home with clients — protected if one is alleged to cause harm.
Bloodborne coverage
Targeted coverage for the cross contamination and bloodborne pathogen claims unique to tattoo, piercing and PMU work.
Endorsements & add ons
Bolt on exactly what your studio needs — nothing you don't.
Contents & fit out
Stations, furniture, art and improvements at replacement cost — fire, theft and water.
Business interruption
Lost revenue and fixed costs when an insured event forces the lights out.
Breakdown & portable gear
Machines, autoclaves, lasers and lighting — and the kit you carry to guest spots.
Cyber & client data
Booking systems, deposits and the personal data you hold on every client.
Workers’ compensation
Statutory coverage for employed artists and front of house staff, state by state (in Washington, handled through the Department of Labor & Industries).
Guest & convention
Short term certificates for guest spots, expos and pop ups — issued same day.
- Hired & non owned auto for studio errands
- Umbrella / excess liability up to $5M
- Additional insured & waiver of subrogation for landlords
- Tenant’s improvements & betterments
- Sign & glass, money & securities
- Apprentice & guest artist endorsements
Cannabis & paraphernalia sales
Some studios sell cannabis paraphernalia alongside the ink. NRG insures that retail exposure — coverage most body art policies simply refuse — so a side counter never leaves a gap in your protection.
Programs tuned to your craft
Chairs, guns & guests
Custom, street and private studios — guest artists, walk ins and big custom pieces.
Explore →Needles & aftercare
Body piercing, dermal anchors, jewelry stock and the aftercare you advise daily.
Explore →Cosmetic tattoo & PMU
Microblading, lip blush and SMP — healed result, pigment and touch up disputes.
Explore →What a generic policy quietly leaves out.
Most retail business owner’s policies exclude the exact things that put a studio at risk. We read the exclusions so you don’t learn them during a claim, when it is too late.
Have us read your current policy →Professional liability for the tattoo / piercing act itself
Communicable condition & bloodborne pathogen claims
Guest artists, apprentices and off site convention work