In 2008 I was getting tattooed by Bill Canales in San Diego, CA. At the time, I was a successful, tattooed, commercial insurance broker specializing in only business and construction insurance. He asked a lot of questions about his current shop policy. I realized he didn't fully understand what coverages he had purchased. At the end of the session, he gave me the entire policy, and I went through it. I instantly saw the problems, and knew I needed to step in and help. I set out to create something different than what was currently available in the USA to professional tattooers and piercers. Interviewing shop owners, I found they were frustrated with poor service, high prices, low limits, paying "per" everything and exclusions that left them naked in the event of a claim. Simply, they were seen as a " $ " and not business owners who deserved the same respect, service and coverages as any other business. Agents and Underwriters selling the policies didn't truly know what tattooers, piercers, and micropigmentation professionals actually did, so they were seen as "High Risk" and the coverages (in my opinion) just didn't cut it. The Velvet Panther Insurance Program launched in 2009, then in 2011, Susan Church of heard of the tattoo/piercing program from Cathy Montie, and requested the same type of policy. Tailored to PMU and the Beauty Industry. In 2012 Forever Beautiful Insurance Program was born.

We always kept our standards high by not accepting scratchers or anyone without the proper credentials or apprenticeship. We never wavered, and I'm glad we didn't.

FAST FORWARD to today, we insure the greats, the best of the best. Tattoo artists, piercers, Trainers, PMU, SMU pros, we're involved in conventions, TV Shows, health departments, lectures, professional groups and so much more. We are honored, respected and appreciated. When you come from a place of service, and not greed, it always comes back to you in success and achievement.

We've grown so much! Sometimes when I walk into the office and see and hear our dedicated team buzzing about, I still get emotional. It hasn't been the easiest road, but I have to say, besides raising my two's the most rewarding feeling in the world.

Kimberly M. Zem, President, Founder, CEO Lic # 0K87011 & # 0E73285