Business Insurance for
Tattoo & Piercing
Business Insurance for
Tattoo & Piercing
Tailored protection in less than 5 minutes, from just £7.49
- Public Liability
- Professional Indemnity
- Medical Malpractice
- Products Liability
Established since 2003
Authorised

Recommended by training, accreditation and membership bodies.
A+ rated insurer
Insurance for Tattoo & Piercing Professional
Tattooing and body piercing are skilled, creative professions that require precision, professionalism, and trust. Whether you’re running a studio or offering mobile services, your work carries unique risks — from allergic reactions to equipment hygiene and design disputes. At Westminster, we understand the nature of your industry and the high standards you work to. Our specialist insurance is built to protect tattoo artists and piercers with flexible, comprehensive cover that adapts as your services grow. Whether you're a solo artist or managing a team, we've got you covered — so you can focus on your art, not the what-ifs.
Practices we cover in this sector
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Ash Tattooing (T4)
Ash tattooing is a specialized technique where cremation ashes are mixed into tattoo ink and applied to the skin.
Conditions:
- Needlestick Injury Policy must be in place
- Robust Health & Safety protocols must be in place
- Sanitisation and infection control protocols must be in place
- Utilizing only professionally processed ashes that align with the industry standards and regulations to ensure the tattoo is safe and hygienic
1) Excluding scarification
2) Provision of bloodborne pathogens/disease prevention certificates must be obtained
3) Aftercare plans given to all clients
Body Piercing (T3)
Body piercing, a form of body modification, is the practice of piercing a part of the human body, to create an opening in which jewellery may be worn or where an implant could be inserted.
Conditions:
- Needlestick Injury Policy must be in place
- Sanitisation and infection control protocols must be in place
- Written parental consent must be obtained for any services performed on/with/for minors
- Full informed consent to be kept on file to explain all risks associated with the treatment including aftercare guidance.
Ear Piercing (gun and stud method only) (T1)
Using a piercing gun to pierce holes in a clients ears, excluding the piercing of any ear cartilage.
Henna Body Art (T1)
Henna paste is applied to the skin in thin lines through a squeezable tube, much like an icing tube. The henna paste is left on the skin for at least 30 minutes in order for the colour to form.
Laser Tattoo/Permanent Makeup/Pigment Removal (T4)
Tattoo/permanent makeup/pigmentremoval is most commonly performed using lasers that break down the ink/permanent makeup/pigment particles into smaller particles. This is typically done over a series of treatment sessions, the number of which dependsupon the type and placement of the Tattoo/permanent makeup/pigmentas well as the pigment of the skin.
Conditions:
- Patch test requirement applicable. Subject to a £1,500 excess. Excluding removal of eyeliner (unless the insured is a trained laser surgeon).
Approved Practitioners:
- Clinically trained NHS Band 5 or above
- NVQ 3 Beauty Therapist (equivalent or above)
Micropigmentation / Tricopigmentation (T3)
Micropigmentation, also referred to as semi-permanent make-up or dermal-pigmentation or permanent make up or cosmetic tattooing, is a process whereby pigments are implanted beneath the top layer of skin, by needle micro insertion. Can be used to re-align facial features such as eyebrows, lip line and eye line. Tricopigmentation is an alternative, more temporary option, used on the scalp as a treatment for hair loss.
Conditions:
- Treatment will not proceed in the existence of any contra-indications.
Approved Practitioners:
- Insured must have received training from an accredited and regulated training provider
Tattoo Artist (T3)
A tattoo artists is someone who applies permanent decorative tattoos by inserting pigment into the skins dermis traditional and/or fine line tattooing methods.
Conditions:
- Needlestick Injury Policy must be in place
- Sanitisation and infection control protocols must be in place
1) Excluding scarification
2) Provision of bloodborne pathogens/disease prevention certificates must be obtained
3) Aftercare plans given to all clients
Excluding Ash Tattooing
Tattoo/Permanent Make-up/Pigment Removal (T3)
Tattoo/permanent makeup/pigment removal is a process by which the skin is penetrated to break up the tattoo/permanent makeup/pigment and pull it out of the skin with a saline solution (salt + purified water) or alkaline-based solutions mixed with acids. Slower but safer than other tattoo removal methods this fading technique can be used in any area. The procedure is similar to tattooing or microblading but instead of injecting ink underneath the skin, it works in reverse, pulling the ink out and lightening the area.
Conditions:
- Skin type checks on the Fitzpatrick scale in place prior to treatment being provided.
Approved Practitioners:
- Practitioners must be qualified and trained in administering this treatment including the provision of before and after care guidance to the client.
How our insurance protects you
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
- Public Liability Protection.
- Professional Indemnity.
- Medical Malpractice.
- Product Liability.
- Breach of confidentiality.
- Defamation, Libel & Slander.
- Dishonesty of employees.
- Your work as a subcontractor.
- Subcontractors work for you.
- Loss of documents.
- Breach of intellectual property.
- Public relation expenses.
Extra protection available
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Why do Tattoo & Piercing Artists need businesses insurance?
Tattooing and body piercing involve skill, creativity, and a high level of care — but they also come with serious responsibility. You're working with needles, skin, and permanent results, which means the risks are real. Whether it’s an allergic reaction, a client fainting during a session, or a dispute over a design, things can go wrong even when you’re highly experienced. If a claim is made and you don’t have insurance, you could be left to face expensive legal fees and compensation costs on your own — potentially threatening your reputation, your income, and your ability to continue practising. Business insurance protects you from the cost of defending claims, covering legal fees, compensation, and unexpected incidents. It’s essential peace of mind for anyone working in this bold and personal profession.

Read our guide for Qualification Requirements
Having the correct level of experience or qualifications necessary to offer a service is...
Read Here >>How things can go wrong
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Why Westminster
Why Westminster
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Comprehensive Protection
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
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Flexible Coverage
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
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Confidence and Trust
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Full support in the event of a claim
Giving comfort and removing the hassle and stress.
First class friendly help on the phone
No salesmen, no gimmicks! We just make insurance easy.
Fast, easy online quote, 24/7
Get your quote and insurance document - within minutes.
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Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.