Search CompleteMarkets

Professional Program Insurance Brokerage (PPIB) offers: Massage Insurance. As a program administrator focused on niche wellness and personal care markets, Professional Program Insurance Brokerage (PPIB) provides Massage Insurance solutions agents can rely on to place individual technicians, single-location clinics, multi-location facilities, and national franchise operations. With decades of experience underwriting bodywork and spa exposures, PPIB tailors coverage to the duties and risks your clients face so you can deliver appropriate protection and responsive service. Ideal Accounts and Appetite This program is designed for a broad range of wellness practitioners and businesses, including: Independent massage therapists and mobile practitioners Massage and bodywork clinics Day spas, medical spas, and full-service wellness centers Franchise chains and multi-location operators Common covered services (not limited to): Massage and therapeutic bodywork Hot stone therapy Hydro massage Reiki and energy work Endermologie Facials and chemical peels Body wraps Waxing and hair removal Foot detox or reflexology Saunas and steam rooms You might have a client who runs a boutique spa offering massage, facials and waxing, or an independent therapist who provides mobile house-calls—both are examples of accounts that typically fit this program. Coverage Highlights and Advantages PPIB’s Massage Insurance program offers flexible coverage options designed to address the exposures common to bodywork and wellness professionals. Available coverages may include: General Liability to cover third-party bodily injury and property damage Professional Liability for alleged errors in treatment or inadequate service Products Liability for retail or treatment products used or sold on premises Sexual Abuse & Molestation coverage available by underwriting approval Policies can be issued for single practitioners or full businesses, including multi-location and franchise structures. The program is structured to help protect insureds from claims arising from bodily injury, professional negligence, and product-related incidents common in spa and bodywork operations. Underwriting Notes This is a non-admitted program, which gives PPIB flexibility to underwrite a wider array of services and business models. Appetite and eligibility are determined case-by-case; submission requirements vary with the size of the operation, services offered, and loss history. Typical information requested includes business description, services list, payroll or gross receipts, and any claims history. PPIB underwriters work directly with agents to structure terms appropriate to the risk. States and Availability The Massage Insurance program is available in most states. PPIB currently offers this program in the following states: 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 Why Work With PPIB? PPIB combines focused underwriting expertise with responsive service to help you place and retain wellness accounts. Key strengths include: Industry knowledge of personal care and wellness exposures Flexible, non-admitted capacity for specialized or higher-exposure risks Fast and responsive underwriting and quote turnaround Program structures that support single practitioners through multi-location franchises If you need assistance placing an account or want to discuss appetite for a specific risk, contact Professional Program Insurance Brokerage to connect with their underwriting team and market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits massage therapists, bodywork clinics, spas, medical-spa operators, and franchise groups offering services such as massage, facials, waxing, and hydrotherapy. Can individual massage therapists get coverage, or is it just for businesses?Yes. Coverage is available for individual practitioners and for businesses, including multi-location operations and franchises—terms depend on services offered and exposure levels. Is Sexual Abuse and Molestation coverage included?Sexual Abuse & Molestation coverage can be offered subject to underwriting approval and depends on the risk profile and state availability. Is this program admitted in any states?No. This is a non-admitted program, which allows greater flexibility in coverage and pricing for specialized wellness risks. What states is the program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, NY, IL, and WA. Refer to the program’s state list above for full availability. Need help placing an account? Connect with a market specialist.

Mercator Risk Services, offered through Preferred Concepts LLC, provides customized professional liability solutions for a wide range of consultants and miscellaneous professionals. This program is built for hard-to-place, unusual, or specialized risks that often fall outside traditional coverage options. Whether your client operates in a niche industry or delivers a unique mix of services, Mercator’s underwriting team can help secure tailored protection. Ideal Accounts and Appetite This program is suitable for consultants and professional firms across more than 60 classes, including accounts with mixed or complex exposures. Mercator Risk Services has an appetite for accounts that are challenging due to operational complexity, regulatory sensitivity, or specialized service offerings. Representative classes include: Benefit Administrators Claims Adjusters / TPAs Computer / EDP Services Collection Agencies Consultants (all types) Customs / Freight Brokers Designers Flood Insurance Data Providers Independent Testing Labs Inspection Services IT Professionals Legal Service Providers Marketing Research Organizations Medical Billing or Research Firms Meeting Planners Property Managers Real Estate Related Services Regulatory Compliance Advisors Tax Preparers Technology Accounts Telecom Site Services If your client fills a hybrid role—such as combining IT consulting with compliance advisory—this program can accommodate mixed exposures with tailored underwriting solutions. Coverage Highlights and Advantages Mercator’s professional liability coverage is structured to address the specific risks associated with professional services. Policies can include enhancements and endorsements to match an insured’s services and likely claim scenarios. Typical coverages and add-ons include: Errors & omissions arising from professional advice or services Claims related to data security, privacy incidents, or technology failures Regulatory and compliance-related exposures Coverage for mixed or evolving professional service offerings Each submission is underwritten on its own merits so coverage and limits are aligned with the client’s operations and risk profile. Underwriting Notes and Minimum Premiums Mercator specializes in hard-to-place and distressed accounts, making them a go-to when standard markets decline or cannot accommodate an exposure. They consider new risks, unique operations, and accounts with prior claims. Minimum premiums vary by class and exposure and are determined case-by-case through underwriting review. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Coverage is offered on a non-admitted basis through various carriers, providing flexibility for specialized and emerging risks. Why Work With Preferred Concepts LLC and Mercator Risk Services Preferred Concepts LLC connects agents and brokers with Mercator’s specialized underwriting expertise. Access to multiple carriers and a demonstrated appetite for difficult accounts lets you place unconventional professional liability risks that many admitted markets will not accept. The partnership emphasizes personalized service, pragmatic underwriting, and creative solutions to keep business placed. Common examples you might encounter: A small IT firm that also provides regulatory compliance advice and needs a single professional liability policy covering both technology and advisory exposures. An independent testing lab with a limited claims history but a unique testing procedure that traditional carriers view as non-standard. To learn more, visit the full program page at Preferred Concepts LLC – Miscellaneous Program or contact the market for submission instructions and application requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for consultants and miscellaneous professionals across more than 60 classes, especially those with unique, complex, or hard-to-place exposures. Can this program handle accounts with prior claims or distressed histories?Yes. Mercator Risk Services specializes in hard-to-place and distressed risks and will consider accounts with prior claims on a case-by-case basis. Is the coverage available in all states?Yes. This program is available in all 50 states and Washington, D.C., and is offered on a non-admitted basis through various carriers. What types of coverage enhancements are available?Policies can be tailored with endorsements to address data breaches, regulatory exposures, mixed service operations, and other specialized risks relevant to the insured’s services. How do I submit a risk for consideration?Contact Mercator Risk Services via the Preferred Concepts submission channels, or visit the program page to access applications and submission guidelines. Need help placing an account? Connect with a market specialist.