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Retail Workers Compensation Insurance Program from PMC Insurance Group PMC Insurance Group is proud to offer a comprehensive Retail Workers Compensation Insurance program specifically designed for retail businesses. As a trusted wholesale broker, PMC provides independent agents with access to competitive workers' comp markets across a wide range of retail classes. Whether your client is running a small specialty shop or a multi-location grocery chain, PMC's program is structured to help you place quality coverage that meets their operational needs. Target Retail Classes This program is built to support a wide spectrum of retail operations, including both established businesses and startups. PMC can write workers compensation coverage for the following types of retail accounts: Clothing Stores Grocery Stores & Supermarkets Convenience Stores Furniture Stores (including drivers) Hardware Stores Florist Shops Jewelry Stores Auto Parts Stores Book Stores Wholesale Store NOC If you have a client in one of these categories, PMC can help you place coverage—even if it’s a new venture or startup business. Program Highlights PMC’s retail workers compensation program offers flexible underwriting and access to all available markets, including both admitted and non-admitted options. This ensures that agents can find suitable solutions aligned with their client’s risk profile, size, and budget. Carriers vary, allowing PMC to find the best fit based on class code, claims history, and payroll size. Key coverage advantages include: Support for startup operations Minimum premiums starting at $2,000 Access to multiple carrier options for competitive pricing Knowledgeable underwriters who understand retail business risks Underwriting Considerations PMC can accommodate a wide range of retail business sizes and risk profiles. The program has a minimum premium starting at $2,000, making it accessible for smaller operations. Accounts with prior losses may still be considered depending on the circumstances and class type. For instance, you might have a client opening a new convenience store or a regional grocery chain looking to improve their current workers compensation terms—PMC can help you find the right market quickly and efficiently. Available States This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and PA. PMC writes business in all states except those with monopolistic workers compensation systems. The full list of available states includes: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work with PMC Insurance Group? PMC Insurance Group specializes in workers compensation solutions and offers deep experience in retail sector placements. With access to a wide array of carriers and a service-driven approach, PMC helps independent agents and brokers efficiently place accounts with confidence. Their underwriting team understands the unique exposures of retail operations—from employee lifting hazards in furniture stores to slip-and-fall risks in grocery aisles. Partnering with PMC gives you the flexibility and support you need to deliver strong workers compensation options to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of retail businesses, including clothing stores, supermarkets, hardware shops, and even startup operations. Can PMC help with new ventures or startups?Yes, PMC can write workers compensation coverage for startup retail businesses with a minimum premium starting at $2,000. Is the program available nationwide?The program is available in most states, excluding those with monopolistic workers comp systems. A full list of eligible states is provided above. What is the minimum premium for this program?The minimum premium starts at $2,000, making it accessible for small and mid-sized retail operations. What carriers are used in this program?PMC works with various carriers across all available markets, allowing flexibility in matching the right carrier to each account’s needs. Need help placing an account? Connect with a market specialist.

BTIS – Builders & Tradesmens Insurance Services, Inc. offers a fast, easy solution for placing small, single-location businesses through its Small Main Street BOP program. Built for independent agents who need reliable markets for lower-premium commercial accounts, this program delivers broad BOP coverage, flexible options (including commercial auto, inland marine and workers’ compensation), competitive pricing, and a straightforward online rater. Use the BOP Rater for instant indications and quick binds so you can serve retail and professional clients with minimal paperwork. Ideal Accounts and Appetite This BOP program is tailored to main-street businesses operating from a single location. Strong fits include: Retail bakeries and specialty food shops Florists Coffee shops and small cafés Medical and dental offices (low-risk specialties) Law and accounting offices Small tech, web design, and creative firms Veterinary clinics (non-surgical/local) Other small professional and retail classes Generally best for stable, single-location risks with straightforward operations and clean loss histories. Accounts with high hazard operations, multiple locations, habitational exposures, or significant liquor/liability exposures may be outside the appetite. Coverage Highlights and Advantages Admitted carriers rated A XV by A.M. Best Minimum premiums starting at approximately $350–$400 Available add-ons: Commercial Auto, Inland Marine, Workers' Compensation, and other coverages Competitive commission on ratable classes through the BOP Rater Instant price indications—no ACORD applications required for initial indications No production quotas, membership, or broker fees The program is designed to let you quote, bind, and issue lower-premium BOP accounts quickly while still offering admitted paper where available. Underwriting Notes and Minimum Premiums Underwriting emphasizes speed and simplicity. The BOP Rater provides immediate indications for many common classes, reducing the need for full ACORD applications during initial quoting. Minimum premiums generally fall in the $350–$400 range depending on class and location. Expect routine eligibility questions about prior losses, business operations, and property condition for binding. Territories and Availability Available in the vast majority of the continental U.S.: AL, AR, AZ, CA, CO, CT, DE, FL, GA, 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. Why Work With BTIS? BTIS is a managing general agency focused on agent-first service, fast turnaround, and practical rating tools. The Small Main Street BOP program gives you access to admitted, highly rated carriers without production strings or membership fees. Whether you need a quick indication for a corner coffee shop or a bundled package for a small professional office, BTIS’s platform is built to move lower-premium commercial business from quote to bind efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Single-location small businesses such as coffee shops, florists, medical or law offices, and small tech firms are ideal candidates for the Small Main Street BOP program. Is the program available in all states?The program is available in most of the continental U.S., including over 45 states and Washington, DC; availability can vary by class and carrier. What is the minimum premium?Minimum premiums typically range from about $350 to $400, depending on the class and the insured’s location. Do I need to submit ACORD forms to get a quote?No—initial pricing is available instantly through the BTIS BOP Rater without submitting ACORD applications. Full applications may be required to bind certain coverages. Are there production requirements or fees for agents?No. There are no production quotas, membership, or broker fees associated with this program. Need help placing an account? Connect with a market specialist.

Cochrane & Company offers a focused Tattoo and Body Piercing Insurance program designed for the unique exposures of tattooing, permanent makeup and body piercing professionals. As a Managing General Agency with niche-market expertise, Cochrane & Company gives independent agents and brokers a streamlined way to place risks that require specialized underwriting and limits tailored to this industry. Ideal Accounts and Appetite This program is ideal for agents placing: Experienced tattoo artists with at least three years of verifiable experience or formal training certification Experienced body piercers with equivalent experience or training Apprentice artists and piercers who operate under qualified, documented supervision The program can accommodate single-operator shops up to multi-artist studios. Retail jewelry sales are acceptable when annual jewelry sales are under $25,000 and the location maintains a central station alarm system. Example accounts you might place with this program: A two-artist shop in Oregon where both artists have certification and the studio maintains a documented sterilization protocol. An apprentice working under a licensed mentor in Washington, with the shop’s overall exposures managed by the supervising artist. Coverage Highlights and Advantages Property Coverage: Available on Basic, Broad, or Special Form Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually Equipment breakdown coverage included automatically Optional Inland Marine coverage for mobile equipment or mobile artists Low minimum premiums to support independent operators and smaller studios General Liability and Professional Liability: $2,000,000 General Aggregate $1,000,000 Products/Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $1,000,000 Each Occurrence $100,000 Damage to Rented Premises $5,000 Medical Payments $100,000/$300,000 Sexual/Physical Abuse coverage $100,000/$3,000 Assault and/or Battery coverage $1,000,000 Professional Liability Each Claim with a $2,000,000 Annual Aggregate Underwriting Notes and Minimum Premiums Underwriting emphasizes credentials and verifiable experience. Key considerations include artist certifications, documented infection-control procedures, supervisory arrangements for apprentices, and studio security. Theft coverage requires a central station alarm and limited jewelry revenue. Minimum premiums vary by state and risk characteristics; the program is structured to remain accessible for smaller operators while reflecting the risk profile of each account. Territories and Availability This program is available to agents and brokers placing business in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Coverage is written on a non-admitted basis, with carrier placement varying by individual risk characteristics. Why Work With Cochrane & Company? Cochrane & Company brings decades of MGA experience in niche markets. The firm combines responsive underwriting with program features tailored to tattoo and body piercing operations, giving agents access to flexible coverages and specialty limits not always available in the admitted market. Cochrane prioritizes clear risk guidelines and quick, practical responses to placement questions, which helps speed submissions and bind decisions for your clients. If you have clients in this niche—whether a single-artist studio, a multi-artist shop, or an apprentice under supervision—Cochrane & Company provides a reliable non-admitted market option designed for these exposures. For more information on our Tattoo and Body Piercing Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo and body piercing professionals with at least three years of experience or formal training, plus apprentices supervised by experienced mentors. Studios with limited jewelry sales and proper security systems also fit well. Is coverage available for new or apprentice artists?Yes. Apprentice artists are eligible when they operate under a mentor who has at least three years of experience or holds relevant certifications and the supervision is documented. What states is this program available in?Cochrane & Company offers this program in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is the program admitted or non-admitted?This program is written on a non-admitted basis and placements are made with carriers appropriate to the specific risk profile. Are there coverage options for theft or equipment breakdown?Yes. Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually. Equipment breakdown coverage is included automatically. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Tattoo & Body Piercing Insurance. As a program administrator with decades of experience in niche markets, Professional Program Insurance Brokerage (PPIB) delivers tailored insurance solutions for the body art industry. Our Tattoo & Body Piercing Insurance program is designed to meet the unique risks faced by tattoo artists, body piercers, and shop owners across the country. Ideal Accounts and Appetite This program is ideal for: Independent tattoo artists and body piercers Full-service tattoo and piercing studios Shops operating mobile units or attending conventions Facilities offering permanent makeup or advanced body modifications Businesses with apprenticeship programs or that serve minors (where legally permitted) Whether your client is a single artist renting a booth or a multi-operator shop with multiple service offerings, this program can provide the comprehensive protection they need. Coverage Highlights and Advantages Our comprehensive coverage options help insureds manage a broad range of exposures common in the body art industry. Available coverage includes: Professional Liability – Protects against claims arising from the rendering of tattoo and piercing services. General Liability – Covers third-party bodily injury and property damage. Property Coverage – Optional coverage for the studio’s equipment and premises. Communicable Disease – Optional protection for claims resulting from disease transmission allegations. Sexual Abuse & Molestation – Available for qualified accounts. Coverage Extensions – Includes apprentices, landlords, mobile units, and event/convention exposures. We understand the nuances of the body art world, and our program reflects that with broad eligibility and flexible coverage options. Underwriting Notes This is a non-admitted program available in most states. Submissions should include a completed application and details of services offered. Coverage for minors, advanced procedures, or mobile units may require additional underwriting information. Territories and Availability This program is available in nearly every state, including but not limited to CA, NY, TX, FL, IL, and WA. We currently write business in all 50 states and the District of Columbia. Why Work With PPIB? PPIB has been a trusted partner to insurance agents and brokers for over 25 years, offering specialized programs that meet the needs of unique industries. Our in-depth knowledge of the tattoo and piercing space allows us to underwrite with insight and flexibility. We streamline the process so you can get your clients covered quickly and confidently. Contact Professional Program Insurance Brokerage (PPIB) for all your Tattoo & Body Piercing Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for tattoo and piercing shops, independent artists, mobile operators, and studios offering permanent makeup or advanced body modifications. Is coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underwriting review and local legal requirements. Can this program cover mobile units and conventions?Yes, we offer options to cover mobile units and participation in events or conventions, making it suitable for traveling artists and vendors. What coverages are included in the policy?The program typically includes Professional and General Liability, with optional Property, Communicable Disease, Sexual Abuse, and other key endorsements. In which states is this program available?This is a nationwide program available in all 50 states and Washington, DC, on a non-admitted basis. Need help placing an account? Connect with a market specialist.