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Allied Healthcare Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a comprehensive Allied Healthcare Insurance program designed to meet the evolving needs of healthcare facilities and professionals. As an excess & surplus lines broker with access to A-rated carriers, we provide flexible solutions for a wide range of allied health exposures. Our team understands the fast-changing healthcare landscape and delivers coverage options that help agents and brokers protect their clients from complex liability risks. Ideal Accounts and Target Classes This program is well-suited for a broad spectrum of healthcare providers and facilities. You can confidently place accounts in the following classes: Clinics and outpatient centers Laboratories and diagnostic testing centers Medical spas and aesthetic clinics Home health agencies Small hospitals Pharmacies Individual healthcare professionals, including: Therapists Pharmacists Physician Assistants Nurse Anesthetists Whether your client operates a small diagnostic lab or is an independent practitioner, this program offers scalable protection tailored to their needs. Coverage Highlights and Options Our Allied Healthcare program offers a variety of coverage structures to fit the unique exposures in the healthcare industry: Primary professional liability Claims-made professional liability and general liability (claims-made or occurrence) Follow-form excess and umbrella available Incident-sensitive coverage trigger Bilateral extended reporting period up to 7 years Defense costs inside or outside limits of liability Optional coverages include: Damages-only deductible HIPAA civil monetary penalty coverage Vicarious liability for named insureds related to sexual acts Disciplinary proceeding coverage Data breach coverage Billing error defense cost reimbursement Sexual abuse sublimits Underwriting Guidelines and Premiums The program offers primary liability limits up to $5,000,000. Minimum premiums start as low as $1,500 for many classes, making it an accessible solution for small to mid-sized accounts. Our underwriting team evaluates each submission carefully to match the right protection with each client’s operations and risk profile. You might have a client who recently opened a wellness-focused medical spa or a home health agency expanding into new states—this program is built to support those types of growing, specialized businesses. Territories and Market Access Coverage is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options through A-rated carriers, allowing for flexibility in placement depending on client needs and jurisdictional requirements. Why Work with Continental Risk / Continental Marine Insurance Services? With decades of experience in the healthcare and marine sectors, Continental Risk / Continental Marine Insurance Services delivers value through deep market knowledge, responsive service, and access to specialized insurance solutions. Our Allied Healthcare program helps you offer your clients protection against today’s most pressing liability risks in the healthcare space. Partner with us to gain a competitive edge in placing complex healthcare accounts. Frequently Asked Questions What types of accounts are a good fit for this Allied Healthcare program?The program is ideal for clinics, labs, medical spas, home health agencies, small hospitals, pharmacies, and licensed healthcare professionals such as therapists and physician assistants. Is coverage available nationwide?Yes, this program is available in all 50 states and Washington, DC, with both admitted and non-admitted markets depending on the state and risk profile. What is the minimum premium for this program?Minimum premiums start as low as $1,500 for many eligible classes, making it a viable option for small to mid-sized healthcare operations. Can I offer optional coverages to customize the policy?Yes, optional coverages such as HIPAA penalty coverage, data breach, and disciplinary proceedings can be added to tailor the policy to your client's needs. What types of limits are available?The program offers primary liability limits up to $5,000,000, along with follow-form excess and umbrella coverage options. Need help placing an account? Connect with a market specialist.

AP Advantage has the expertise and understanding for the Medical Spas industry that your client needs. We understand that this industry is complex and can be difficult to obtain, which is why we have partnered with multiple carriers to provide the Professional Liability your Medical Spa clients need. Our Medical Spa carriers are open to a broad market of target classes such as; cosmetic spa, aesthetic spa, wellness/preventive spas, alternative spas and, large massage franchise which have multiple locations. In addition to the wide range of target classes we work with, our program also covers the types of treatments your clients provide in their facilities. Covered Procedures: • Non-Surgical Cosmetic • Aesthetic Skin Care • Dermal Fillers • Botox • Colonics • Wart, Mole and Skin Tag Removal • Esthetician Services • Body Waxing • Electrolysis • Facials • Hair Transplants • Laser Skin treatment • Laser Hair Removal • Massage Therapy • Permanent Makeup • Micropigmentation • Microdermabrasion Please note that we can also provide non-surgical weight loss management and administration of hormone therapy. Coverages Include: • Dedicated Limit of defense • Punitive Damages • Subpoena Defense • Disciplinary Proceedings Defense • Office Premises Patient Property Damage • Reputational Risk • Sexual Abuse • Molestation Sublimits • First Dollar Defense • Cyber Sublimits • Media, Data Security and Privacy Coverage • Professional Liability • General Liability Combined Policy • Defense Outside • Extension of Coverage to Medical Doctors for Direct Patient Care Our Medical Spas carriers can provide your client with multiple limit options and deductions and also extends coverage to medical directors for administrative duties that are incident sensitive. For more information on our Medical Spa carriers please give send us a submission, inquiry or give us a call to get in touch with one of our experts.

Specialized Coverage for MediSpas from Preferred Concepts LLC Preferred Concepts LLC, in partnership with Mercator Risk Services, provides tailored medical professional liability solutions for MediSpas and other hard-to-place medical accounts. MediSpas—also called medical spas—combine traditional spa services with medical procedures, creating unique liability exposures that require specialty coverage. This program gives agents and brokers a market for clients operating at the intersection of wellness and medical care. Ideal Accounts and Appetite The program accommodates a wide range of MediSpa operations, from minimally invasive service providers to full-service clinics that deliver both aesthetic and diagnostic care. Typical acceptable account types include: MediSpas affiliated with plastic surgery or dermatology groups Laser clinics offering electrolysis, laser hair removal, and permanent cosmetics Weight management practices and licensed nutritional consultants Medical fitness centers and physiological wellness facilities Genetic testing labs and specialty diagnostic providers working alongside wellness teams The program can also provide coverage for affiliated professionals, independent consultants, and certain manufacturers or suppliers connected to the MediSpa operation. Coverage Highlights and Advantages MediSpas face exposures beyond traditional spa risks because they often provide invasive or medical-grade procedures and diagnostic services. This program is designed to address those blended exposures with customized medical professional liability solutions, including options for complex, high-exposure, or distressed risks. Coverage can be structured for both practice-level and practitioner-level needs depending on the account. Mercator Risk Services can underwrite from your existing application (excluding renewals) or supply a specialized application to streamline submissions and speed placement decisions. Underwriting Notes and Minimum Premiums Mercator Risk Services is experienced handling hard-to-place accounts, including risks with prior claims, disciplinary history, or financial stress. While there is no specific minimum premium posted, submissions are evaluated on a case-by-case basis according to the services performed, claims history, staffing, and risk controls in place. Territories and Availability This MediSpa program is available on a non-admitted basis across all 50 states and Washington, DC, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY. Why Work With Preferred Concepts LLC? Preferred Concepts LLC offers agents access to Mercator Risk Services, a wholesale broker with deep experience placing medical malpractice and specialty healthcare risks. Their strengths include a flexible underwriting approach, access to multiple carriers for non-admitted placement, and the ability to underwrite unusual or distressed accounts. That combination makes this program a practical option when admitted carriers are limited or when a tailored solution is required. Example scenarios that fit well: You have a plastic-surgery-affiliated MediSpa offering injectables and laser resurfacing that needs tailored medical professional liability and higher limits than standard spa markets provide. You represent a laser clinic with a prior claim and mixed medical/aesthetic services that other markets have declined — Mercator's appetite for hard-to-place risks may help secure coverage. To learn more or submit a risk, contact the team at (860) 527-9717 or email [email protected]. Additional resources and application forms are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this MediSpa program?Ideal accounts include MediSpas tied to plastic surgery or dermatology practices, laser and permanent cosmetics clinics, weight-management and nutrition practices, physiological wellness centers, and genetic testing labs that provide diagnostic services alongside wellness care. Can this program handle clients with prior claims or financial difficulties?Yes. Mercator Risk Services specializes in hard-to-place and distressed accounts and can often offer solutions where standard markets are unavailable. Is there a specific application required to submit a risk?You may submit using your own application (not renewals), or request Mercator’s specialized application to streamline the underwriting review. Is this coverage admitted or non-admitted?The program is written on a non-admitted basis through various carriers, which allows more flexibility in underwriting and policy structure. In which states is this program available?This MediSpa program is available in all 50 states and Washington, DC. 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.