Overview of the Program From Professional Program Insurance Brokerage (PPIB)
Professional Program Insurance Brokerage (PPIB) places Misc. Medical Facilities Insurance through excess & surplus markets to cover a wide range of outpatient and non-acute medical operations. This program is designed for agents and brokers who need market access for non-standard or niche medical exposures that may not fit admitted carriers’ appetite. PPIB pairs targeted underwriting with E&S capacity to deliver tailored solutions for medical spas, outpatient cosmetic centers, therapy clinics, long-term care, behavioral health facilities, research sites and similar operations.
Ideal Accounts and Appetite
- Medical spas and laser centers offering non-invasive cosmetic procedures and aesthetic services.
- Minor cosmetic enhancement outpatient centers that do not perform major inpatient surgeries.
- Rehabilitation providers such as occupational therapy clinics and outpatient physical therapy practices.
- Behavioral health, mental health facilities, and long-term care operations with stable risk controls.
- Research facilities and medical “banks” with defined policies and credentialing for staff.
- Weight loss centers, spas and salons where supervised programs and non-surgical treatments are primary services.
Coverage Highlights and Advantages
- Access to E&S markets for accounts that need flexible terms, specialty endorsements, or broader underwriting acceptance.
- Customizable liability solutions that may include professional liability (where available), general liability, and abuse/molestation endorsements as applicable.
- Underwriting that considers credentialing, procedures performed, risk management practices, and facility controls—allowing placement of many niche operations declined elsewhere.
- Specialized knowledge of outpatient medical exposures so submissions are evaluated with industry context rather than a one-size-fits-all approach.
Underwriting Notes and Minimum Premiums
Underwriting looks for clear scopes of practice, documented credentialing, written procedures, and loss history. Provide applications, five years of loss runs, a description of services and procedures performed, staffing credentials, and any risk-control protocols when available. This is an excess & surplus placement; please assume non-admitted placement and confirm any state-specific filing requirements with your broker of record. If you have a unique account, include full details—this program evaluates risks on a case-by-case basis.
Territories and Availability
This program is available in the following jurisdictions: 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. Because placements are through excess & surplus markets, availability and filing requirements may vary by state—confirm with PPIB prior to submission.
Why Work With Professional Program Insurance Brokerage (PPIB)
- Specialty focus: PPIB has experience placing a wide range of non-acute medical facilities and allied health operations.
- E&S access: Ability to place non-standard risks that admitted markets often decline or limit.
- Practical underwriting: Evaluations emphasize controls, credentialing and the actual procedures performed—helping you place accounts without unnecessary exclusions.
- Responsive submissions: Provide complete submissions (application, loss runs, procedures list) to help underwriters quote more efficiently.
Example Accounts That Typically Fit
- A multi-location medical spa offering laser hair removal, injectables, and supervised aesthetic treatments with documented staff training and no history of professional liability claims.
- An outpatient occupational therapy clinic affiliated with a rehabilitation network seeking general liability and professional coverage for therapists and aides.
Frequently Asked Questions
What types of accounts are a good fit for this Misc. Medical Facilities program?
Accounts that provide non-acute medical or allied health services—medical spas, laser centers, outpatient cosmetic clinics, therapy clinics, weight-loss centers, long-term care and behavioral health facilities—are a good fit when they have documented procedures, credentialed staff, and reasonable loss history.
Is this program admitted or non-admitted?
This program is placed through excess & surplus markets. Expect non-admitted placements and confirm any state-specific filing or disclosure requirements with PPIB before submitting business.
What submission documents help move a file quickly?
Include a completed application, five years of loss runs, descriptions of procedures performed, staff credentials, and any written risk-management protocols or consent forms. More complete files generally receive faster and more competitive quotes.
Are there common account features that will likely be declined?
High-exposure surgical centers that perform major inpatient procedures, accounts with significant adverse loss history, or facilities lacking credentialing and written procedures are often outside this program’s appetite. Each submission is reviewed individually.
Can you place multi-state operations?
Yes — the program can consider multi-state risks within the listed territories. State-specific rules for non-admitted placements vary, so coordinate filings and compliance with PPIB when submitting a multi-state account.
Need help placing an account? Connect with a market specialist.