Overview of the Program From Professional Program Insurance Brokerage (PPIB)
PPIB’s Permanent Cosmetic Insurance program is designed for agents and brokers who place liability protection for permanent makeup, micropigmentation, scar camouflage and related aesthetic procedures. The program combines general liability and professional liability coverages tailored to the unique exposures of permanent cosmetic technicians, instructors, and small medical-aesthetic practices. Coverage can be written to include tattoo artists and other complementary day spa or medical spa services on the same policy.
Ideal Accounts and Appetite
- Independent permanent makeup artists and micropigmentation technicians
- Permanent cosmetic instructors and trainers (no per-student charge)
- Small to mid-size day spas and medical spas offering permanent cosmetic services
- Providers performing nipple/areola restoration, scar camouflage, and pigment lightening/removal using approved products
- Practices using needling / collagen induction therapy as part of cosmetic procedures
Accounts with routine permanent cosmetic services and standard operating procedures are a good fit. Larger facilities that perform major surgical procedures or out-of-scope medical operations may require a different product; discuss complex mixed-practice exposures with PPIB underwriters.
Coverage Highlights and Advantages
- Combined General Liability and Professional Liability tailored for permanent cosmetics
- Instructor coverage included without per-student charge
- Eligible services explicitly include pigment removal with approved saline and acid-based products, needling, and medical director arrangements
- Ability to package tattoo and aesthetic exposures on a single policy
- Underwriting focused on the permanent cosmetic niche—policy language and limits appropriate to industry risks
Underwriting Notes and Minimum Premiums
Underwriting focuses on procedure mix, training and credentialing, infection control protocols, products used (approved pigments and removal solutions), and prior loss history. Be prepared to provide descriptions of procedures, copies of client consent forms, proof of blood-borne pathogen training, and lists of products used when requesting a quote. For minimum premium and program pricing details, contact Professional Program Insurance Brokerage—pricing and minimums are set by the program and may vary by state and exposure.
Territories and Availability
This program is available through PPIB 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, and DC. The program is positioned as a non-admitted placement; confirm availability and state-specific filing requirements with PPIB before submission.
Why Work With Professional Program Insurance Brokerage on This Business?
- Niche underwriting expertise focused on permanent cosmetics and associated spa services
- Program language and coverages developed for common exposures in micropigmentation and cosmetic tattooing
- Flexibility to combine tattoo and aesthetic operations on a single policy for convenience and consistency
- Responsive underwriting for instructors, medical director arrangements, and pigment removal procedures
Example scenarios where this program works well: you have a solo permanent makeup artist who also teaches classes and performs pigment removal with approved products; or you represent a small medical spa that wants to add permanent cosmetic services to an existing suite of non-surgical aesthetic treatments.
Frequently Asked Questions
What types of accounts are a good fit for PPIB’s Permanent Cosmetic Insurance?
Independent permanent makeup artists, micropigmentation instructors, small day spas/medical spas offering permanent cosmetic procedures, and tattoo artists who want combined liability coverage are all good fits—provided services are within the permanent cosmetic scope and proper infection-control practices are in place.
Are instructors and students covered under the policy?
Yes. Instructor coverage is included and PPIB’s program does not charge per student for permanent cosmetic teachers. Confirm specifics with underwriting for training-event limits and conditions.
Does the program cover pigment lightening or removal and needling procedures?
Yes. Pigment lightening/removal with approved saline and acid-based products and needling/collagen induction therapy are eligible when performed with approved products and proper protocols. Disclose techniques and products during submission.
Is this an admitted policy and which states are available?
This program is offered as a non-admitted placement and is available through PPIB in the list of states shown in the storefront. Always verify state eligibility and any filing requirements with PPIB at submission.
Need help placing an account? Connect with a market specialist.