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...ators and independent contract interpreters Translation and localization a... Freelance translators, contract interpreters, translation/localization agencies, and language service firms working in legal, medical, business, or education settings are good fits. Is this coverage available for new ventures? Yes. Colonial General will consider new ventures, particularly when the applicant shows relevant experience and a clear business plan or sample contracts. What territories does this program cover? The Translator and Interpreter Insurance program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available? Yes. Colonial General can place accounts in admitted or E&S markets depending on the state and the risk profile. What information is needed to get a quote? Provide years of experience, services offered, annual revenue, sample contracts or engagement letters, and any prior claims or losses to help underwriters evaluate the account quickly. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Labs and Clinics Insurance. PPIB’s Labs and Clinics Insurance program delivers specialized coverage solutions for a wide range of medical and testing facilities. Built for independent agents and brokers seeking reliable markets for niche healthcare accounts, this program provides flexible options for laboratories, technicians, clinical directors, and other medical professionals operating in specialized environments. Ideal Accounts and Target Classes This program fits a variety of clinical and testing operations, including: Pathology labs Clinical microbiology labs Genetic and molecular testing labs Clinical biochemistry labs Hematology labs Drug and alcohol screening labs Mobile drug/alcohol testing units Marijuana testing facilities Beer & wine testing facilities Covered professionals commonly include: Physicians and medical directors Medical and laboratory technicians Clinical directors and laboratory managers Testing facility operators Example accounts that typically fit: a startup genetic testing clinic seeking professional liability and medical director coverage, or a mobile drug-screening service that needs general liability, equipment protection for its mobile unit, and professional liability for test interpretation. Coverage Highlights and Advantages PPIB’s program can be tailored to include a combination of: General Liability (GL) Professional Liability / Errors & Omissions (E&O) Medical Director coverage for oversight responsibilities Property and equipment coverage where applicable The program is designed to address exposures common to labs and clinics, such as diagnostic errors, specimen handling and chain-of-custody issues, equipment malfunction, contamination risks, and liabilities tied to the handling and analysis of sensitive biological materials. Coverage structures and limits are flexible to match the operational profile and risk controls of each account. Underwriting Notes PPIB places this program on a non-admitted basis in all eligible states. Submissions should include a clear description of services, staffing and credentials, licensure, standard operating procedures, quality control protocols, and any risk-management programs in place (e.g., proficiency testing, chain-of-custody, HIPAA/data handling practices where relevant). Typical appetite and limitations: Good fit: diagnostic and testing labs, mobile testing units, and facilities that follow documented QA/QC and licensure requirements. Limited or excluded: high-containment research labs (BSL-3/4), facilities performing experimental pathogen culture or certain high-risk biological research—these are evaluated case-by-case and often fall outside the program’s appetite. Minimum premiums are set case-by-case; please include complete submission details to expedite an accurate indication. Territories and Availability This non-admitted program is available in the following states and 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...h PPIB? As a program administrator focused on specialty and hard-to-place markets, Professional Program Insurance Brokerage brings decades of experience placing niche healthcare risks. PPIB offers responsive underwriting, practical flexibility, and access to specialty markets that standard carriers may not serve. Agents and brokers benefit from direct underwriting dialogue and tailored solutions for unique lab and clinic exposures. Contact Professional Program Insurance Brokerage (PPIB) when you need a market for challenging labs and clinics risks—PPIB can help position accounts that need tailored professional and general liability protection. Frequently Asked Questions What types of accounts are a good fit for this Labs and Clinics Insurance program?This program is ideal for diagnostic and clinical testing operations such as pathology, genetic testing, clinical microbiology, drug screening labs, and mobile testing units that follow documented QA/QC and licensure requirements. Can Medical Directors be included in the coverage?Yes. Coverage can be extended to include Medical Directors for their oversight responsibilities within the lab or clinic setting, subject to underwriting review. Is this program available on an admitted basis?No. This program is offered on a non-admitted basis in all available states. What information is needed for underwriting?Submissions should include a full description of services, staff qualifications and licensure, sample volumes and testing types, documented SOPs and QA/QC protocols, and any risk-management practices in place. In which states is this program available?The Labs and Clinics Insurance program is available in most U.S. states and DC, including CA, FL, TX, NY, and many others listed in the program territory section above. Need help placing an account? Connect with a market specialist.

Medical Consultation, Evaluation & Referral Our Operations Center is staffed 24/7 by medically-certified, multilingual personnel who can evaluate, troubleshoot and make immediate recommendations for any emergency situation. When a call for help comes in, they put in motion Assist America’s vast English-speaking, Western-quality provider network to solve medical and non-medical emergencies anywhere in the world. Assist America members are assured of being directed to the most dependable healthcare and problem-solving resources by our highly trained team. Hospital Admission Guarantee Many countries maintain a non-obligatory attitude towards healthcare. That is, medical treatment—even in an emergency—is provided based on an individual’s ability to pay for it, and not as a basic right. Keep in mind that most domestic health insurance cards have very little significance or recognition in foreign lands. For international visitors to any country, an already complex medical emergency can be further complicated by financial snarls, usually at the most inopportune time. Assist America is deeply respected and connected worldwide, and because of this we can offer a hospital admission guarantee for our members often on our name alone. If necessary, we will advance funds directly to the treating facility to guarantee the best of care. Emergency Medical Evacuation It is no secret that the quality of healthcare varies widely from location to location. Assist America evens the odds by keeping up to date on medical resources in geographies all over the world. If a member becomes ill or injured in an area of the globe where appropriate care is not available, we will intervene and use whatever transportation, equipment and personnel are necessary to evacuate that individual safely to the nearest facility that meets our rigorous standards. And the full cost of any evacuation, including medical treatment while in transport, is paid by Assist America. Medical Monitoring. Our relationship with our members goes way beyond the initial phone call for help: we remain a connected, caring and medically savvy partner through the duration of any case. We maintain regular communication with the patient and attending medical staff, closely monitoring the quality and course of treatment, and we stay in close touch with the patient’s family to relay information as appropriate and provide support during what is almost always a confusing time. When a case is finished, we always make a final follow-up call to ensure everything has been taken care of satisfactorily. Members consistently report being pleasantly surprised at how invested and proactive we are about their welfare. Medical Repatriation There is no sweeter music to the ears of a patient than news from the doctor of being released to go home. Unfortunately, sometimes the mind’s enthusiasm is ahead of the body’s capabilities, especially for the physical challenges of a long journey after being debilitated. Assist America, when deemed medically necessary, will provide transportation home or to a specified health facility with a medical or non-medical escort as required. Prescription Assistance It is easy to replace a forgotten toothbrush on a trip, but when an “oops” hits because a prescription medication has been lost or left behind the solution is not so simple. Assist America works with the prescribing physician and a pharmacy in the area of travel to replace a member’s medicine. If necessary, we will arrange for the member to see a local doctor for a new prescription. Emergency Message Transmission Time differences, telecommunications issues and the general disorganization that comes with an injury or illness away from home can make communication between the patient and their loved ones difficult. Assist America will transmit emergency messages reliably between the patient, family, friends, employer or whoever else needs to stay in the information loop. Compassionate Visit Being compromised away from home is a stressful, intimidating experience for a patient, and being away from familiar faces and surroundings only makes it worse. At the same time, loved ones back home are often frantically worried. Assist America realizes that having a family member or friend present during a health crisis makes everyone feel more at ease and hastens the recuperation process. That is why we will arrange and pay the transportation costs for a loved one to join any member who is traveling alone and is expected to be hospitalized for more than seven days. Care of Minor Children Members who become sick or injured while traveling can sometimes be presented with a dilemma about caring for their dependent children, but Assist America is there to help. If a child is left unattended due to an injury or illness of an accompanying parent we will arrange and pay for them to return home to a family member, or we will arrange childcare locally. We will also arrange care of children at home who are left unattended due to the parent’s unexpected absence. This could include transporting children to another family member, bringing a family member to the children or whatever other solution is necessary. Return of Mortal Remains In the unfortunate event that a covered individual passes away while traveling, Assist America will arrange and pay for the necessary paperwork, body preparations and transport to bring the mortal remains home. Families who have experienced loss of a loved one have consistently thanked us for offering this service, saying it is a source of true comfort both emotionally and financially in times of great sadness. Lost Luggage or Document Assistance Lost luggage or personal documents can turn quickly from a small nuisance into a major hassle, restricting plans and affecting travel itineraries. Assist America works with airlines to recover and deliver lost bags, liaises with transportation companies to replace lost travel tickets and contacts necessary agencies to solve issues of lost passports and other documents. Interpreter & Legal Referral Medical emergencies are not the only predicaments that our members face. Assist America can make recommendations for trustworthy legal counsel and interpreter services in any country. Bail bonds can be coordinated in jurisdictions where they are legal. Pre-Trip Information To help make our members the most informed and prepared travelers they can be, we offer comprehensive pre-trip insights on the Assist America website. Members can review country profiles, visa requirements, immunization regulations, security advisories right from our homepage. And Much More... Not all emergencies are created equal. Assist America is committed to resolving the emergencies of our participants—whatever it takes—in whatever custom fashion is necessary for each individual situation. And we have the talent and resources to do so. ...

Professional Program Insurance Brokerage (PPIB) offers: Teaching Programs Insurance. Overview of the Program From PPIB Professional Program Insurance Brokerage (PPIB) provides a specialized Teaching Programs Insurance solution for instructors, vocational schools, and training facilities in the beauty, wellness, and medical aesthetics industries. Backed by decades of niche experience, PPIB delivers tailored liability solutions that address the unique exposures of hands-on instruction — from single instructors to multi-location franchise operations. The program is built to help agents place accounts that require flexible, risk-aware underwriting for regulated and emerging training services. Ideal Accounts and Appetite PPIB’s Teaching Programs Insurance is designed for a broad range of instructional accounts, including: Laser training programs (facility-based or individual instructors) Cosmetology and beauty schools Aesthetician and permanent cosmetics instruction Medical spa training and corporate trainers for Botox/dermal fillers Massage therapy schools and hands-on apprenticeships (tattoo, piercing) Medical assistant and other clinical training facilities Marijuana education programs where training exposures exist Doctors and nurses providing supervised, hands-on clinical instruction This program fits individual technicians, private and group facilities, franchise operations, and national chains. If you have a client who teaches certification courses across multiple locations or a solo instructor offering intensive, hands-on classes, this market is a strong option. Coverage Highlights and Advantages No location limitation — coverage follows the insured regardless of the training site No per-student rating — streamlined approach simplifies quoting and renewals Available for both individual instructors and organization-level placements Underwrites regulated and emerging fields where conventional markets may be restricted Example accounts: You might place a regional medical aesthetics training center that teaches Botox and filler certification across several states, or a tattoo apprenticeship program seeking liability protection for instructors and students during supervised procedures. Underwriting Notes This is a non-admitted program, which provides flexibility for unique and emerging risks. Submissions are reviewed on a case-by-case basis with particular focus on the type of instruction, degree of student hands-on involvement, supervision levels, facility controls, and any use of regulated devices or pharmaceuticals. There is no stated minimum premium, allowing accessibility for smaller instructors and larger training operations alike. Provide complete details on curricula, student ratios, supervision, and facility safety procedures to speed underwriting. Territories and Availability PPIB offers Teaching Programs Insurance in most U.S. jurisdictions. The program is available in the following states and DC: 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...Y, DC. Confirm availability for your client’s specific state before quoting, since the program is not offered where prohibited. Why Work With PPIB on This Business As a program administrator focused on high-liability professional programs, PPIB brings targeted underwriting expertise for hands-on training environments in cosmetology, medical aesthetics, and related fields. Agents benefit from a market that understands these exposures, offers flexible non-admitted capacity, and works with you to place both individual instructors and complex, multi-location operations. PPIB’s team is positioned to handle specialty risks that standard admitted carriers may decline. Contact Professional Program Insurance Brokerage (PPIB) for all your Teaching Programs Insurance placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cosmetology schools, laser training programs, medical aesthetics instructors, massage therapy schools, tattoo and piercing apprenticeships, and other vocational training providers in the beauty and wellness sectors. Is this coverage available for individual instructors or only facilities?Coverage is available for both individual instructors and training facilities, including franchises and national chains. Are there any geographic limitations for coverage?No location limitations are imposed by the program itself, but availability is subject to state regulations. Confirm coverage for your client’s specific state. Is there a per-student rate applied?No. This program does not use per-student rating, which simplifies quoting and underwriting. Is this an admitted insurance program?No. This is a non-admitted program, which allows greater flexibility for specialty and emerging training operations. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage® (PPIB) offers a specialized Anti-Aging Insurance program tailored for businesses and professionals in the wellness and aesthetics industries. The program addresses the specific exposures of anti-aging practices and provides flexible liability and optional property solutions for a wide range of services and product sales. Ideal Accounts and Appetite PPIB’s Anti-Aging Insurance program is a fit for a broad set of wellness and aesthetics operations, including but not limited to: Nutritional counseling and wellness analysis Lipotropics and vitamin/supplement therapy Hormone replacement and related treatments Medispa services, injectables, and body contouring Cellulite reduction and fat transfer procedures Silhouette lifts, mini tummy tucks, upper blepharoplasty Weight loss programs (including prescription and supplement-based therapies such as hCG, Phentermine, Belviq, Qsymia, Contrave) Retail of skincare, supplements and other products (Products Liability available) Whether your client runs a boutique medispa, a hormone clinic, or a wellness center offering body-sculpting and nutritional plans, this program is designed to protect those operations — including many off-label or emerging treatment offerings that can be hard to place in standard markets. Coverage Highlights and Advantages General Liability and Professional Liability available Optional Property coverage for clinic locations and equipment Products Liability for sale of supplements, vitamins, and skincare Broad definition of covered services to include innovative and lesser-known procedures Non-admitted placement to allow flexible underwriting for niche risks The program is structured to accommodate traditional medispa offerings as well as newer anti-aging modalities that may not fit conventional appetite guides. Underwriting Notes PPIB underwrites unique and hard-to-place risks with a pragmatic approach. For efficient review, include the following with submissions when possible: Detailed description of services and procedures performed Practitioner licenses, certifications, and credentialing Current loss runs (if available) and any claim history There is no stated minimum premium; each account is evaluated individually based on scope of services, practitioner credentials, and risk profile. Territories and Availability This non-admitted program is available in all 50 U.S. states and Washington, DC, including common placement states such as CA, TX, FL, NY, AZ, and IL. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep experience in niche and emerging healthcare and wellness markets. Agents benefit from: Underwriting flexibility for non-standard or evolving services Access to liability and products coverage tailored for anti-aging practices Responsive service and guidance on documentation to improve placement success Example accounts you can place through this program: A boutique medispa offering injectables, body-contouring treatments, and a retail line of skin-care products that needs combined professional and products liability limits. A hormone therapy clinic providing bioidentical hormone replacement, nutritional counseling, and prescription weight-loss programs seeking professional liability and optional property coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include medispa operators, wellness clinics, hormone therapy providers, and professionals offering anti-aging, body contouring, or weight-loss treatments. Is this coverage available in all states?Yes. The program is available nationwide — all 50 states and Washington, DC. Can this program include coverage for selling supplements or products?Yes. Products Liability coverage can be added for businesses that manufacture or sell vitamins, supplements, or skincare products. Does the program cover weight loss treatments using prescription medications?Yes. Coverage is available for weight-loss services that use prescription medications as well as supplement-based therapies; individual underwriting applies. Is this an admitted or non-admitted program?This is a non-admitted program, which allows greater flexibility to underwrite unique or specialized anti-aging services. Need help placing an account? Connect with a market specialist. ...

Miscellaneous Business Services Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a flexible, wholesale program for a broad range of professional and administrative service providers under the Miscellaneous Business Services category. Designed for agents and brokers placing non-standard or niche service risks, the program gives access to both admitted and non-admitted markets so you can place hard-to-fit accounts with more carrier options and underwriting support. Ideal Accounts and Target Classes This program targets small to mid-sized firms that provide specialized or administrative services. Typical classes include: Answering and paging services (GL square footage cap: 35K) Auctioneering Business manager services Event planning and promotion Executive placement (GL square footage cap: 35K) Life, career, and executive coaching Personal concierge / assistant services Project management consultants Recruiting and employment placement (GL square footage cap: 35K) Talent agencies (GL square footage cap: 35K) Training providers (business, vocational, or life skills) Translation and interpretation services Travel agencies (GL square footage cap: 35K) Tutoring services Many of these classes are underserved in standard markets because of diverse professional liability exposures or mixed operations. First Choice’s wholesale relationships and underwriting expertise make it easier for you to place accounts that need tailored terms. Coverage Highlights and Program Limits Available coverage forms include: Professional Liability (PL): Revenue eligibility up to $5M General Liability (GL): Payroll eligibility up to $3M Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 sq. ft. Liability limits are flexible: the online aggregate limit can be up to $2M, with higher limits (up to $5M) available by phone through underwriting. This lets you match limits to a client’s risk profile and contract requirements. Underwriting Notes and Program Considerations Markets are available on both admitted and non-admitted paper depending on class and state. Underwriting is streamlined for many target classes when accounts fall within the stated revenue, payroll, and square footage thresholds. Accounts that combine high professional exposures, significant product operations, or heavy subcontracting may require additional review or be better placed elsewhere. Example accounts you might place through this program: A boutique career coaching firm with $2M in annual revenue operating remotely with no physical office. An executive recruitment agency occupying a 30,000 sq. ft. office with payroll under $3M. There is no single stated minimum premium; however, submissions within the published caps are most likely to be competitive and eligible for online quoting where offered. Territories and Availability This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO..., VA, WA, and WI. Availability and carrier access may vary by state and by coverage form. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings broad market access and specialty underwriting experience for miscellaneous service risks. Agents benefit from: Access to both admitted and non-admitted markets for more placement options; Underwriting teams familiar with niche professional exposures and mixed operations; Flexible limit and form options to meet contract or client-specific needs; Responsive placement support for accounts that have been difficult to place in standard markets. To review First Choice’s full company profile and other programs, visit the First Choice Insurance Intermediaries, Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Business Services program?The program is geared toward small and mid-sized firms offering services such as executive placement, tutoring, project management, coaching, and travel planning. Accounts that fall within the stated revenue, payroll, and square footage limits typically qualify and receive streamlined underwriting. What are the key eligibility limits for this program?Professional Liability is typically available for accounts with up to $5M in revenue. General Liability appetite generally extends to accounts with up to $3M in payroll. BOP eligibility is usually limited to businesses with up to $3M in revenue and 35,000 sq. ft. of space. Is this program offered on an admitted basis?First Choice can access both admitted and non-admitted markets. Which paper is available depends on the class and the state—your market specialist can confirm options for each submission. Can I submit accounts outside of the listed target classes?Yes — submissions outside the listed classes may be considered, but placement is more likely when the business aligns with the program’s core appetite. Contact First Choice for underwriting guidance on unusual or hybrid operations. Which states is this program available in?This program is available in 29 states, including CA, FL, TX, NY, and IL. Carrier availability and coverages may vary by state and by coverage form. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Smoke Shop Insurance. Specialized Insurance for Smoke Shops Professional Program Insurance Brokerage (PPIB) provides a focused Smoke Shop Insurance program crafted for retailers that sell tobacco, vaping products, and related paraphernalia. The program is designed to be flexible for single-location shops up to multi-location retail operations, offering coverages that address the operational and property risks common to this niche. Ideal Accounts and Target Classes This program targets brick-and-mortar retail operations, including: Vape shops and vapor lounges (retail-focused) Hookah lounges (excluding nightclub-style operations and venues with bar/club exposure) Cigarette and cigar shops Independent smoke shops Paraphernalia and accessories retailers The appetite is retail-centric. Accounts with nightclub exposure, significant on-premises alcohol service, or entertainment/late-night club operations are outside this program’s typical scope. Coverage Highlights PPIB’s Smoke Shop Insurance program provides General Liability and Property options tailored to retail smoke businesses. Common coverages and features include: Building and tenant improvements coverage Business personal property and inventory protection, including theft (subject to underwriting) Loss of business income / extra expense coverage Outdoor signage and glass coverage Coverages can be customized to reflect whether a client leases space in a shopping center or owns their building. Limits and terms are determined through underwriting to match each account’s exposures. Underwriting and Program Structure This program is written on a non-admitted basis and is administered by PPIB as the program administrator. While specific minimum premiums are not published, PPIB’s underwriting team will review account size, location, inventory values, security controls, and operational practices to determine eligibility and pricing. Typical underwriting considerations include inventory turnover and storage, theft prevention measures, employee practices, and whether any on-site consumption or entertainment creates elevated liability exposure. States Where Coverage is Available PPIB’s Smoke Shop Insurance program is available in most states, including CA, TX, FL, NY, IL, and WA. Coverage is offered in the following jurisdictions: AK, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI...A, WI, WY, DC Why Work With PPIB? Professional Program Insurance Brokerage brings specialized experience placing hard-to-insure retail accounts in niche markets. Agents will find: Underwriters experienced with smoke, vape, and related retail classes Flexible, non-admitted solutions for non-standard risks Responsive service and support for retail agents and brokers nationwide Use PPIB when you need a market that understands the inventory, theft, and liability exposures specific to smoke shops and related retailers. Example fits You have a downtown vape shop with high foot traffic and a moderate inventory of e-liquids and devices — the program can provide tailored property and liability protection with theft controls considered in pricing. You represent a multi-location cigar shop chain seeking a consistent package across several states — PPIB can evaluate multi-location appetite and provide coordinated coverage through the program. Contact Professional Program Insurance Brokerage (PPIB) for Smoke Shop Insurance options and placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for retail-focused smoke shops, vape stores, cigar shops, paraphernalia retailers, and hookah lounges that do not operate like nightclubs. Is this program admitted?No. The Smoke Shop Insurance program is written on a non-admitted basis in all available states. Can this program cover inventory theft?Yes. Property coverage can include inventory and theft protection, subject to underwriting review and agreed limits. Are multi-location businesses eligible for coverage?Yes. Multi-location retail operations can be considered if they meet the program’s underwriting guidelines and fall within the stated appetite. What states is this program available in?Coverage is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact PPIB for state-specific details. Need help placing an account? Connect with a market specialist.

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... 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.

...d decorators Translators and interpreters Employment agencies and staffing firms You might have a client who runs a small digital marketing agency or a niche business consultancy—this program is designed to accommodate those types of risks. We can also consider independent contractors and part-time professionals, which makes this a versatile option for your diverse client base. Coverage Highlights and Advantages Program Highlights: Punitive and exemplary damage coverage (where legally permitted) “Insured” includes independent contractors Coverage is designed to protect against claims resulting from professional services rendered, including defense costs, settlements, and judgments. The inclusion of independent contractors helps you cover 1099-based service providers, which is especially helpful in today’s gig and freelance economy. Underwriting Notes and Minimum Premiums There is no set minimum premium, allowing flexibility for smaller or emerging businesses. Our underwriting team evaluates each risk individually and works closely with agents to craft solutions that balance affordability and protection. We welcome submissions with complete applications and supporting documentation to help expedite the quoting process. Territories and Availability This program is available nationwide, including all U.S. states and the District of Columbia: from California and Texas to New York and Florida. Whether your client is based in a major metro area or a smaller regional market, OnPoint Underwriting can help you find viable coverage options. Why Work With OnPoint Underwriting on This Business At OnPoint Underwriting, we bring deep expertise in professional liability and a commitment to responsive service. Our access to multiple markets and our ability to tailor solutions for hard-to-place risks makes us a valuable partner for agents and brokers. We understand the challenges you face in finding the right fit for non-standard E&O clients—and we’re here to help you place that business with confidence. For additional information on the Miscellaneous Professional Liability Insurance program, please contact Leaticia Roberts at (404) 460-1372 or lroberts@onpointunderwriting.com. You can also visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a wide range of service providers, including consultants, marketing firms, event planners, and other non-traditional professionals with E&O exposures. Is coverage available for independent contractors?Yes, the policy can include independent contractors as insureds, making it a great fit for businesses that rely on 1099 professionals. Are there any minimum premium requirements?No fixed minimum premium applies. Each account is individually underwritten based on its risk profile and coverage needs. Can I place business in all 50 states?Yes, this program is available in all states and the District of Columbia, with access to both admitted and non-admitted markets. Who can I contact for more information or to submit a risk?You can reach out to Leaticia Roberts at OnPoint Underwriting for details or submissions. Her contact information is provided above. Need help placing an account? Connect with a market specialist. ...