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...(PPIB) offers: Tattoo & Body Piercing Insurance. As a program administ...coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underw...

...ciates Tattoo Parlors & Body Piercing Insurance Jacobs & Associates ...s the program cover both tattoo and piercing services?Yes. The policy is designed to cover tattoo and body piercing operations, including hybrid stud...

Professional Program Insurance Brokerage (PPIB) offers: Misc. Medical Facilities Insurance. What we consider includes: Medical Spas Laser Centers Minor Cosmetic Enhancement Outpatient Centers Occupational Therapy Clinics Long Term Care Facilities Mental Health Facilities Research Facilities Spas and Salons Weight Loss Centers Medical “Banks” Foster Agencies Contact Professional Program Insurance Brokerage (PPIB) for all your Misc. Medical Facilities Insurance needs. 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.

Roofing Contractors Insurance Program from Cochrane & Company If you're looking to place roofing contractor accounts, Cochrane & Company offers a specialized Roofing Contractors Insurance program designed for qualified residential and light commercial roofers. Backed by an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier and supported by responsive claims service, this program is ideal for experienced contractors with solid loss histories. Ideal Accounts and Appetite We are actively seeking roofing contractors with at least three years of experience in repairs, replacements, or new installations. Our program is best suited for contractors whose primary business (over 60%) involves repair or replacement work. New construction must make up no more than 40% of operations. Acceptable classes include: Residential roofing contractors Light commercial roofing contractors Restrictions include: No hot tar, torch-down, or other hot work No flat roof work Subcontracted work must be under 25% of total operations Example: You might have a client who operates a small residential roofing business focusing on shingle replacements and minor commercial patch jobs. This type of account is a great match for our underwriting appetite. Coverage Highlights and Advantages Our Roofing Contractors Insurance program provides broad protection tailored to the needs of roofing professionals. Available coverages include: Property Coverages: Basic, Broad, or Special Form options Property Extension Endorsement available Inland Marine coverage General Liability: Limits up to: $2 million general aggregate $2 million products/completed operations aggregate $2 million personal/advertising injury $2 million per occurrence $100,000 damage to rented premises $1,000 medical payments Deductibles: $1,000 BI / $2,500 PD Per Project Aggregate available Blanket Additional Insured and Limited Waiver of Subrogation options CG2037 Completed Operations endorsement available for commercial jobs Competitive state-chart rating tools Underwriting Notes and Minimum Premiums This is a non-admitted program available through Cochrane & Company’s strong carrier relationships. Minimum premiums vary based on risk characteristics and state-specific factors. We aim to provide competitive pricing for qualified risks with good loss experience. Territories and Availability Our Roofing Contractors Insurance program is available in the following states: California Idaho Montana New Mexico Oregon Washington Wyoming Why Work With Cochrane & Company As a Managing General Agency with decades of experience in the roofing and construction space, Cochrane & Company offers agents access to niche underwriting expertise and strong carrier partnerships. Our responsive team helps you navigate non-admitted placements efficiently and effectively—so you can serve your contractor clients with confidence. Thank you for considering Cochrane & Company’s Roofing Contractors Insurance program. We look forward to helping you place your next roofing risk. Frequently Asked Questions What types of accounts are a good fit for this Roofing Contractors Insurance program?We are looking for residential and light commercial roofing contractors with at least three years of experience and a focus on repairs and replacements. New construction should be limited to 40% of operations or less. Are hot tar or flat roof jobs eligible for coverage?No, our program excludes risks involving hot tar, torch-down applications, hot work, and flat roof work. Can subcontracted work be included?Yes, but subcontracted work must account for less than 25% of the contractor’s operations to qualify for this program. Which states is this program available in?This program is available in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is this program admitted or non-admitted?This is a non-admitted program written through an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates offers a specialized Vacant Dwelling Insurance program designed for residential and commercial buildings that are temporarily unoccupied. Whether your client owns a vacant home awaiting sale or a commercial property under renovation, this program provides flexible coverage options to meet their unique needs. As an Excess & Surplus Lines Broker, Jacobs & Associates gives agents access to a range of markets through non-admitted carriers, helping you place challenging risks with confidence. Eligible Classes: - Vacant dwellings with or without renovations - Vacant commercial buildings with or without renovations - Builders risk – both residential and commercial Coverage Highlights and Advantages: Jacobs & Associates uses ISO coverage forms to ensure comprehensive protection for your clients’ vacant properties. Key forms include: - Building & Personal Property – CP0010 - Builders Risk – CP0020 - Condo Unit Owners – CP0018 Additional features include: Basic Causes of Loss Form – ISO CP1010 Premises Liability Coverage – ISO CG0001 No coverage for theft or water damage Policy Terms: - 3, 6, or 12-month terms available - Quarterly payment options on 12-month policies Deductibles: - Property (no renovations): $250 per occurrence - Property (with renovations): $500 per occurrence - Liability: $250 per occurrence Minimum Retained Premiums: - Annual Policy: 25% or $100 (whichever is greater) - Six-Month Policy: 50% or $100 (whichever is greater) - Three-Month Policy: 25% or $100 (whichever is greater) Territories and Availability: This Vacant Dwelling Insurance program is currently available to agents and brokers placing risks in Ohio (OH). Why Work With Jacobs & Associates? As a trusted Excess & Surplus Lines Broker, Jacobs & Associates has access to a broad range of markets and can help you place difficult-to-insure vacant properties. Whether you're working with a homeowner waiting to sell or a commercial investor renovating an office building, Jacobs & Associates offers flexible terms, clear underwriting guidelines, and helpful service to support your business. You might have a client with a vacant duplex undergoing minor renovations before sale, or a commercial developer with a retail space awaiting a new tenant. This program can help you cover both scenarios effectively. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes, commercial buildings under renovation, and properties requiring builders risk coverage for short durations. Is this program available outside of Ohio?Currently, Jacobs & Associates offers this Vacant Dwelling Insurance program exclusively in Ohio. Are theft and water damage covered under this policy?No, this program does not provide coverage for theft or water damage. Can I get coverage for a property undergoing renovations?Yes, both residential and commercial properties with or without renovations are eligible under this program. What are the available policy terms?Policies can be written for 3, 6, or 12 months, with quarterly installments available on 12-month terms. Need help placing an account? Connect with a market specialist.