What is Body Piercing Insurance?

Body piercings are routine procedures, but there still is some risk involved in performing them. Should a piercing go awry, the business that performed it might be held liable for any resulting damages. Body piercing insurance helps protect Vermont businesses that offer this service from a variety of both piercing-specific and more general risks. 

Body piercing insurance is a specialized form of commercial insurance that’s intended specifically for businesses that offer this service. In order to protect these businesses well, most body piercing policies are package policies and have more than one protection.

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What Businesses in Vermont Need Ear Piercing Insurance?

The vast majority of Vermont businesses that offer ear and/or body piercings should have this type of insurance policy in place. Not carrying insurance often leaves a business exposed to substantial risk, and the consequences can be devastating if there is a major lawsuit or disaster. Of the various commercial insurance options, ear piercing insurance typically offers the most suitable protections for piercing businesses.

Some specific examples of businesses that may need or want an ear piercing insurance policy include:

  • Ear piercing kiosks and stores
  • Body piercing shops
  • Tattoo parlors that offer piercings

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What Coverages Does Ear Piercing Insurance Provide?

There are a few different coverages that an ear piercing policy, depending on its terms, may provide. Some of the more common ones include:

  • General Liability Coverage, which may cover slip-and-fall accidents and some basic liability lawsuits
  • Professional Liability Coverage, which may cover mistakes made when piercing customers or other work errors
  • Communicable Disease Liability Coverage, which may cover diseases that are spread through a business' tools and practices
  • Commercial Property Coverage, which may cover a business’ facilities, equipment and inventory
  • Molestation or Abuse Coverage, which may cover accusations that an employee acted improperly
  • Assault or Battery Coverage, which may cover physical confrontations that involve employees

An insurance agent who specializes in this form of insurance may recommend additional coverages that a policy makes available.

Do Piercing Businesses Need Workers Compensation Coverage?

Workers compensation coverage is an important protection that normally covers injuries sustained at work, and most businesses in Vermont need to carry the coverage if they have employees. Not all ear piercing insurance policies include this protection among their available options, however. While workers compensation might be available through a few policies, it’s commonly procured via a stand-alone policy that offers the one protection.

Even when it’s purchased separately, an insurance agent who’s familiar with ear piercing policies can usually also help with workers compensation.

Are Body Piercing Policies Expensive?

Body piercing policies’ premiums are based on a lot of different factors and therefore, they frequently vary from one situation to another. Even with such variance, though, these policies tend to be affordable. Their premiums are almost always cheaper than what it could cost to recover from a major disaster.

An independent insurance agent can help piercing businesses find out precisely how much the insurance they need will cost. Independent agents are free to compare quotes from several insurance companies, which makes it easy to see what the going rates are for a business' particular situation.

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How Can Piercing Businesses Get Body Piercing Insurance?

If your business offers piercings in Vermont and needs insurance, contact the independent insurance agents at Paige & Campbell Insurance. Our agents can help you compare body piercing insurance policy options from several insurers in the state, and we have the expertise necessary to guide you toward the policy that’s right for your business.

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