Overview of the Program From Professional Program Insurance Brokerage
PPIB administers a focused Beauty Insurance program for non-medical beauty and personal care operations. The program is positioned to give agents a market for a wide range of everyday salon and spa exposures—covering general liability and applicable ancillary products—while offering underwriting that understands the nuances of beauty services.
Ideal Accounts and Appetite
- Independent beauticians, cosmetologists, and licensed aestheticians working in salons or mobile settings.
- Full-service salons and day spas that provide non-invasive treatments listed above.
- Small- to medium-sized businesses with typical retail and service revenue streams from beauty treatments.
Generally fits: non-medical, non-surgical beauty services performed by licensed professionals. Not intended for medical or surgical cosmetic procedures that require physician oversight or hospital-based services.
Coverage Highlights and Advantages
- Program underwriter familiar with salon/spa exposures and common service categories.
- Flexible policy forms suitable for individual practitioners and multi-operator salons.
- Options to address premises and operations, product liability for topical products, and professional liability exposures where applicable.
- Streamlined submission process for faster quoting on routine accounts.
Underwriting Notes and Submission Guidance
When submitting to PPIB, provide clear details to speed underwriting decisions: a description of services performed, business location(s), licensing information for service providers, and recent revenue or payroll breakdown by service. Photographs of the premises and information on sanitation/training protocols are helpful. If you have unique exposures, disclose them up front so the program can evaluate appropriate coverages or endorsements.
Minimum premium and specific form availability vary—contact PPIB for current thresholds and quote requirements.
Territories and Admitted Status
Availability: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.
Admitted status: No States — this program is positioned for non-admitted placements. Please confirm placement options and paper availability with PPIB for each submission.
Why Work With Professional Program Insurance Brokerage on Beauty Business
- Program administrator expertise in niche personal care lines helps place routine and moderately complex beauty risks.
- Responsive underwriting for common salon and spa class codes—helpful when other markets label accounts as higher risk.
- Practical guidance on documentation and submissions to improve hit-ratio and speed of binding.
Example scenarios: You might have a three-chair day spa offering facials, waxing, and eyelash services seeking combined premises and products coverage; or a solo licensed aesthetician operating mobile appointments looking for general liability and professional coverage. Both are the types of accounts PPIB routinely evaluates.
Contact Professional Program Insurance Brokerage (PPIB) for quotes, submission instructions, and placement assistance for your beauty industry accounts.
Frequently Asked Questions
What types of accounts are a good fit for PPIB's Beauty Insurance program?
Accounts that provide non-invasive beauty and personal care services—salons, spas, cosmetologists, aestheticians, nail and hair studios—are a good fit. The program focuses on routine, licensed services rather than medical or surgical procedures.
What submission information speeds up underwriting?
Provide a list of services performed, number of operators and their licenses, annual revenue by service, description of premises (or mobile operations), and basic sanitation/training practices. Photos and any loss history help underwriters assess quickly.
Is this program available nationwide?
The program is available in the states and DC listed above. Placement is generally non-admitted; confirm paper availability and any state-specific requirements with PPIB before submission.
Are medical or injectable procedures included?
No. The program is intended for non-medical beauty services. Procedures that require physician oversight, surgical settings, or injectable medical treatments are typically outside this program's appetite and should be submitted only after prior discussion with PPIB.
Need help placing an account? Connect with a market specialist.