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Professional Program Insurance Brokerage (PPIB) offers: Massage Insurance. As a leading program administrator, Professional Program Insurance Brokerage (PPIB) provides specialized Massage Insurance solutions designed for individual technicians, entire facilities, and national franchise operations. With decades of experience in niche wellness and personal care industries, PPIB understands the unique risks massage professionals face and delivers tailored insurance coverage to meet those needs. Ideal Accounts and Appetite This program is ideal for a wide range of wellness practitioners and businesses, including: Independent massage therapists Massage and bodywork clinics Spas and wellness centers Franchise chains offering massage and spa services Covered services include (but are not limited to): Massage and bodywork Hot Stone Therapy Hydro Massage Reiki Endermologie Facials and chemical peels Body wraps Wax hair removal Foot detoxification Saunas and steam rooms You might have a client who owns a boutique spa offering massage, facials, and waxing services—or an independent massage therapist providing mobile services. Both would be good fits for this program. Coverage Highlights and Advantages PPIB’s Massage Insurance program offers broad coverage tailored to the exposures of bodywork and wellness professionals. Available coverages may include: General Liability Professional Liability Products Liability Sexual Abuse and Molestation coverage options Coverage can be written for individual practitioners or full businesses, including multi-location operations and franchises. The program is designed to protect your insureds from claims arising from bodily injury, professional errors, and product-related incidents. Underwriting Notes This is a non-admitted program, enabling flexible underwriting for a wide range of services and business models. Submission requirements may vary depending on the size of the operation and services offered. PPIB’s underwriters are experienced in evaluating wellness-based risks and can work with you to structure appropriate coverage for your client. States and Availability The Massage Insurance program is available in most states, including but not limited to CA, FL, TX, NY, IL, and WA. 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? Professional Program Insurance Brokerage has a long-standing reputation for excellence in delivering niche insurance solutions. With a focused understanding of the personal care and wellness industries, PPIB offers: Fast and responsive underwriting Flexible program structures Competitive pricing on a non-admitted basis Broad coverage options tailored to evolving wellness trends Contact Professional Program Insurance Brokerage (PPIB) to discuss how their Massage Insurance program can fit your clients' needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for massage therapists, spas, wellness centers, and franchises offering services like massage, facials, waxing, and hydrotherapy. Can individual massage therapists get coverage, or is it just for businesses?Yes, coverage is available for both individual practitioners and full-service businesses, including multi-location operations. Is Sexual Abuse and Molestation coverage included?This coverage can be included depending on underwriting approval. It is available as part of the program’s flexible coverage options. Is this program admitted in any states?No, this is a non-admitted program, offering more flexible underwriting terms and coverage structures. What states is the program available in?The program is available in most states across the U.S., including CA, FL, TX, NY, and many others. Please refer to the full list above. Need help placing an account? Connect with a market specialist.

Looking to place more personal-care accounts with confidence? Cochrane & Company offers a focused Beauty Shop and Barber Shop Insurance program built for agents who need reliable, market-ready solutions for salons, barbershops, and individual personal-care professionals. Written through specialty carriers (A+ XV by A.M. Best where available) on a non-admitted basis, this program delivers flexible liability and property options to protect common exposures in the beauty and grooming industries. Ideal Accounts and Eligible Classes This program fits a wide range of personal-care risks, including: Beauty salons and shops Barber shops Independent operators and booth renters Masseuses and massage providers Manicurists and nail technicians Ear-piercing technicians Makeup artists Facial and skin-care providers Whether you have a boutique salon, a solo esthetician, or a multi-chair barbershop, this program scales to match the size and service mix of the account. Coverage Highlights and Advantages Cochrane & Company’s program combines broad liability protection with property and specialty coverages tailored to personal-care operations: Primary liability limits up to $3 million occurrence/aggregate Hired & non-owned auto liability available Included coverages: Errors & omissions (professional liability) — included to policy limits Independent contractors can be added as additional insureds Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate, with optional higher limits Medical payments — $5,000 Excess/umbrella limits up to $25 million Property and Ancillary Coverages Property protection addresses common exposures for salons and shops: Building and business personal property Business income and extra expense Basic, broad, or special form available Replacement cost or actual cash value valuation Inland marine and equipment breakdown (for salon equipment) Accounts receivable, computer equipment, outside signs, and valuable papers Deductible: No deductible required for this program. Crime coverage: Available for inside and outside the premises. Underwriting Notes and Minimum Premiums Underwriting is handled by experienced underwriters who understand the nuances of personal-care risks. Minimum premium and rate depend on the account’s size, revenue, services offered, and state filing requirements. Typical considerations that affect placement include: Services performed (e.g., advanced cosmetic procedures vs. standard hair or nail services) Number of chairs/operators and payroll/exposure size Prior claims history and risk control measures Whether independent contractors are on-site and how they are managed Minimum premiums vary; contact a Cochrane & Company market specialist to discuss specific account thresholds and appetite. Territories and Availability This program is available on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability may vary by carrier and the specific risk profile—confirm state eligibility when submitting business. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep niche expertise in small commercial and specialty risks. Agents benefit from: Access to specialty carriers (including A+ XV-rated markets where available) Underwriters experienced with personal-care and grooming exposures Flexible limits and packaged solutions that address both liability and property needs Options for adding independent contractors and handling sensitive exposures (e.g., sexual/physical abuse coverage) Example placements: You might have a client who runs a multi-chair salon offering color, cuts, and facials seeking combined liability/property protection with E&O included; or a solo barber who rents a booth and needs a primary liability policy with hired/non-owned auto and equipment coverages. Both are the types of accounts this program is designed to place. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include beauty salons, barber shops, individual stylists, manicurists, masseuses, and similar personal-care providers needing packaged liability and property protection. Are independent contractors covered under this policy?Yes. Independent operators working within a salon or shop can be included as additional insureds; discuss specific wording and evidence requirements with underwriting. Is this program available in my state?This program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability is non-admitted and may vary by carrier and class. Does the policy include coverage for professional liability?Yes. Errors & omissions (professional liability) coverage is included up to the policy limits to help protect against claims arising from services provided. Is there a deductible for this program?No. This program does not require a deductible for the core coverages; individual endorsements or optional features may have different terms—verify on submission. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Beauty Insurance PPIB's Beauty Insurance program is designed for agents and brokers placing non-medical personal care accounts. The program focuses on routine salon, spa, and aesthetic services and provides tailored commercial liability solutions for independent cosmetologists, aestheticians, salons, spas, and other beauty professionals. Our Beauty Program offers coverage for the following services: Facials Peels Microdermabrasion Electrolysis LED/Microcurrent Body Wraps, Massage Eyelash Enhancement Foot Detoxification Eyebrow Enhancement Airbrush Tanning Tanning Beds/Booths Hair Nails Needling/Collagen Induction Therapy Hydro Massage Wax Removal Topical Makeup Threading Sugaring Saunas 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.