Ideal Accounts and Appetite
This program is designed for niche businesses in the personal services and wellness sectors. If you have insureds in the following industries, this program may be a strong fit:
- Medispas
- Day Spas
- Tattoo/Body Piercing Parlors
- Medical Testing Labs
- Beauty Salons
- Doctor Offices
- Permanent Makeup Artists
- Smoke/Vape Shops (Retail only, no 24-hour operations)
- Cosmetology Schools
You might have a client operating a chain of medispas across three states or a single-location tattoo parlor with a growing staff—this program offers a place to write that Workers Comp business confidently.
Coverage Highlights and Advantages
The PPIB Workers Compensation program includes Employers Liability coverage with limits up to $1 million. It is available through all applicable markets, providing flexibility in placement. Because these industries often present unique worksite risks and employee classifications, the program is underwritten with deep awareness of each niche’s operations and exposures.
Key benefits include:
- Coverage crafted for specialty personal service industries
- Access to multiple markets for competitive placement
- Employer’s Liability limits up to $1M
- Responsive service from an experienced MGA
Underwriting Notes and Minimum Premiums
Each submission is reviewed carefully to ensure a proper fit, with attention to operations, safety practices, and employee duties. While minimum premiums are not specified, accounts should demonstrate sound risk management practices and be retail-focused (where noted). For example, smoke/vape shops must be retail only and cannot operate 24 hours.
Territories and Availability
This Workers Compensation program is currently available in the following states:
Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, North Carolina, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin.
Why Work With PPIB?
PPIB has long been recognized for its commitment to underserved and emerging industry segments. As a Managing General Agency with a national footprint, PPIB offers agents access to programs that are difficult to find elsewhere. Their team understands the nuances of niche businesses and delivers fast, knowledgeable service to help you place tough Workers Compensation accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for niche businesses in the personal services and wellness sectors, including medispas, tattoo parlors, beauty salons, and smoke/vape shops (retail only).
Are there restrictions for certain classes?
Yes, smoke and vape shops must be retail only and cannot operate 24/7. Each submission is reviewed to ensure it fits underwriting guidelines.
Is Employers Liability included?
Yes, Employers Liability coverage is included with limits up to $1 million.
In which states is this program available?
The program is available in 30+ states, including AZ, FL, TX, CA, IL, PA, and more. Refer to the full list above for complete availability.
Who underwrites this program?
PPIB works with all available markets to find the best fit for your client’s Workers Compensation needs.
Need help placing an account? Connect with a market specialist.