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...rance Brokerage (PPIB) Offers: Interpreters and Translators Insurance. Profes...gram is best suited for freelance interpreters, translators, sign language professionals, and translation agencies—especially those serving legal, medical, or technical clients. Can subcontractors and employees be covered under this policy?Yes. Coverage can include domestic and foreign subcontractors or employees if their receipts are included in the insured’s gross revenue calculations. Is General Liability coverage available in addition to Professional Liability?Yes. General Liability can be added to the policy for broader third-party bodily injury and property damage protection, depending on the insured’s needs. Is this an admitted program?No. This program is written on a non-admitted basis in all available states. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, and many others. See the full list above for all eligible states. 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: Medispa Services Insurance. Overview As a program administrator, Professional Program Insurance Brokerage (PPIB) places tailored insurance solutions for medispa facilities and aesthetic professionals. You can use this program to place single-location practices or multi-site operations that deliver elective aesthetic and wellness services. Coverage is structured to address the clinical and liability exposures common to medispas and allied health practices. Ideal Accounts & Target Classes This program targets licensed professionals and facilities that provide non-surgical aesthetic and wellness services. Typical fits include: Medical spas and aesthetic clinics Providers performing Botox, dermal fillers, and hormone therapy Wellness clinics offering IV therapy, weight-loss programs, or supplements Facilities using lasers, IPLs, radio frequency devices, and body contouring equipment Medical directors, physician oversight arrangements, and clinical support staff Example fits: you might have a client who recently opened a medispa offering vitamin injections, laser hair removal, and body sculpting — or a physician expanding into non-invasive aesthetic services. Both are typical submissions for this program. Coverage Highlights PPIB's Medispa Services Insurance offers a suite of coverages that address the common exposures in aesthetic and wellness practices: Professional (medical) liability General liability Property coverage HIPAA defense and privacy breach response Communicable disease coverage Sexual abuse and molestation coverage License action defense coverage Applicable Procedures and Services The program covers a broad array of elective procedures and supportive services, including: Hormone therapy and prescription weight-loss programs (hCG, lipotropics) Injectables: Botox and dermal fillers Body contouring, fat transfer, lipolysis, and tumescent liposuction Lasers, IPLs, LEDs, and radio frequency treatments Medical peels, mesotherapy, and permanent cosmetics Vein treatments and sclerotherapy Medical directors and affiliated clinical staff Underwriting & Submission Notes PPIB's underwriting team focuses on niche allied-health risks. Submissions are evaluated for scope of services, clinician licensing and credentialing, written protocols, consent processes, training, and loss history. Provide a completed application, service descriptions, licensing details, and prior loss runs (if applicable) to expedite review. Pricing reflects the mix of services, claim history, and size of operations; there is no published flat minimum premium. Underwriters may ask for risk-management documentation for higher-exposure procedures (e.g., full-time medical director oversight for surgical-level services). Program Availability This program is placed on a non-admitted basis in all available territories. Current availability includes: 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 and DC. Why Work with PPIB on Medispa Business With over 25 years of specialty program experience, Professional Program Insurance Brokerage provides agents and brokers with responsive underwriting, deep product knowledge, and access to tailored coverage not always available in standard markets. PPIB is positioned to handle complex allied-health placements and multi-location accounts. Contact Professional Program Insurance Brokerage (PPIB) to discuss placement options for your next Medispa Services Insurance account. Frequently Asked Questions What types of accounts are a good fit for this program? This program is suited for medical spas, licensed aesthetic practitioners, and wellness clinics that offer injectables, laser services, hormone therapy, body contouring, IV infusions, and similar elective procedures. Can I submit an account with multiple locations? Yes. PPIB can provide coverage for single-location practices and multi-location operations under a single policy structure, subject to underwriting review. What procedures are typically covered under this policy? Typical covered services include injectables (Botox, fillers), laser and IPL treatments, hormone and weight-loss programs, vein treatments and sclerotherapy, body contouring, and other non-surgical aesthetic procedures. Is this program admitted or non-admitted? This program is offered on a non-admitted basis in all available states and territories. What information is required to submit an account? Provide a completed application, detailed descriptions of services and devices used, licensing and credential information for clinicians, and prior loss history where available to help underwriters evaluate the risk. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Cosmetic & Therapeutic Laser/IPL Services Insurance As a program administrator, Professional Program Insurance Brokerage (PPIB) provides specialized insurance solutions for professionals and facilities that perform cosmetic and therapeutic laser or intense pulsed light (IPL) treatments. This program is tailored to the liability exposures common to aesthetic and therapeutic laser services, making it a practical market for agents and brokers placing medspa and cosmetic treatment risks. Ideal Accounts and Eligible Professionals PPIB’s Laser/IPL Services Insurance program fits a range of practitioners and businesses in the aesthetic and medical spa industry. Eligible insureds include: Certified laser technicians Aestheticians (where allowed by state regulations) Registered nurses Physicians and medical directors Medical spas (MediSpas) The program accommodates both individual operators and multi-location facilities offering non-invasive cosmetic and therapeutic procedures. Coverage Highlights and Covered Services PPIB’s program helps protect clients from the professional and general liability exposures associated with laser/IPL work. Typical covered services include: Laser hair removal Photo facials and age/sun spot treatment Vein therapy Acne and rosacea treatments Body contouring and cellulite reduction Needling/collagen induction therapy Radio frequency treatments (e.g., Thermage) Wrinkle and skin tag removal Psoriasis treatment Laser/ultrasound assisted lipolysis (including fat transfers) Toe & nail fungus removal Laser tattoo removal Vitiligo treatment Pain therapy Ablative & non-ablative laser work, including CO2 fractional procedures Laser smoking cessation, laser acupuncture, and laser allergy relief Offering broad service eligibility under a single program can simplify placement and reduce coverage gaps for your clients. Underwriting Notes This program is written on a non-admitted basis, which can allow greater flexibility in coverage language and underwriting. Each submission is individually reviewed — underwriting considers practitioner credentials, training, documented protocols, equipment used, and the practice setting. Minimum premium requirements and terms vary by account size, services offered, and jurisdiction. Appetite and Typical Restrictions PPIB targets routine cosmetic and therapeutic laser/IPL exposures performed in outpatient and spa-style settings. The program generally favors experienced practitioners with documented training, clear protocols, and appropriate medical oversight when required. High-risk operations (for example, extensive surgical procedures performed outside of a licensed surgical facility) or accounts lacking appropriate licensure or supervision may not qualify. Example Accounts You might place a single-location medspa that offers laser hair removal, photo facials, and non-ablative skin resurfacing staffed by RNs and certified technicians. You might place a solo certified laser technician who provides tattoo removal and vein therapy under the supervision of a medical director. Territory and Availability Coverage is available in most U.S. states, including but not limited to CA, TX, FL, NY, NJ, IL, and WA. The program is offered in all states except where restricted; contact PPIB to confirm availability and any state-specific considerations. Why Work With PPIB? With decades of experience administering niche programs, PPIB offers underwriting teams who understand the clinical and operational nuances of cosmetic and therapeutic laser services. Their approach is responsive and placement-focused, helping agents close accounts efficiently while tailoring coverage to each client’s risk profile. Whether you are placing a startup medspa or a growing multi-location practice, PPIB can provide market access and underwriting expertise. Whether you’re placing a new medspa or expanding a practice into laser tattoo removal and body contouring, contact Professional Program Insurance Brokerage (PPIB) for your Cosmetic & Therapeutic Laser/IPL Services Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for certified laser technicians, aestheticians (where permitted by law), nurses, doctors, and medical spas offering cosmetic or therapeutic laser/IPL treatments. Are both cosmetic and therapeutic services covered?Yes. The program covers a broad range of cosmetic and therapeutic procedures, including hair removal, acne treatment, tattoo removal, and other listed services, subject to underwriting review. Is this program available in all states?The program is available in most U.S. states. Contact PPIB to confirm availability or any state-specific requirements. Does the program accept new startups?Yes. New ventures may be eligible if practitioners have appropriate licensing, training, and documented protocols. Each submission is underwritten on its own merits. Is this an admitted insurance program?No. This program is written on a non-admitted basis, which can provide flexibility in coverage and underwriting. Need help placing an account? Connect with a market specialist. ...

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: 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: 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...N, 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.

...arketing, and HR consultants Interpreters, tutors, and educational consultants Claims adjusters, insurance risk managers, and inspectors Some other classes (for example, caterers, tour operators, and landscape architects) are eligible for coverage but are not eligible for our preferred package. Coverage Highlights and Advantages MAXIMUM’s Specified Professions E&O program offers robust primary and packaged options to meet a range of client needs: Errors & Omissions limits up to $5 million General Liability limits of $1M per occurrence / $3M aggregate Business personal property up to $250,000 Business income up to $50,000 Hired and non-owned auto liability up to $1 million Excess GL available up to $5 million Policy enhancements are available through our ProSecurity+ endorsement, which includes: Coverage for malicious code and unauthorized access $50,000 for reputation restoration expenses Lifetime occurrence reporting for individual insureds Coverage for pro-bono services and independent contractors Full prior acts coverage for most first-time buyers Worldwide coverage for wrongful acts (claims made within the U.S., its territories, or Canada) Defense outside the limits, a softened hammer clause (75/25), and other insured-friendly terms Underwriting Notes and Deductibles Underwriting is flexible and pragmatic. Typical deductible options include: E&O deductibles starting at $0 General liability deductible of $0 Property deductibles starting at $1,000 MAXIMUM does not write accounts that perform licensed legal, medical, or financial-fiduciary services. Examples of generally ineligible classes include attorneys, medical professionals, title agents, payroll processors, and similar regulated professions. Refer to underwriting guidelines for full exclusions and class restrictions. Territories and Availability This program is available in most states. Admitted placement is available in most jurisdictions, making it suitable for standard admitted or non-admitted placements depending on the class and state. Available states include: 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...WI, WY. Why Work With MAXIMUM As a wholesale broker, MAXIMUM combines deep underwriting experience with broad carrier access and responsive service. We focus on professional liability niches where tailored terms, prior-acts options, and sensible policy enhancements matter. Working with us gives you: Access to top markets that can write hard-to-place professional classes Underwriters who understand the nuances of professional exposures Flexible packaging options (E&O with GL and property) for eligible classes Value-added resources such as HR tools, screening services, identity-theft resources, and marketing support Sample Accounts That Fit A regional marketing consultant with $2M in revenue who provides strategy and implementation services and needs professional liability and GL with cyber-related coverage enhancements. An independent CPA firm with $4M in revenue seeking E&O limits of $2M and prior acts coverage after changing carriers. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as consultants, accountants, graphic designers, educational professionals, and other small businesses with revenues up to $15 million. Are there any classes that are not eligible for this coverage?Yes. We generally do not write high-risk or tightly regulated professions such as attorneys, medical professionals, architects, engineers, title agents, and other similar fiduciary roles. See underwriting for full exclusions. Can E&O be packaged with other coverages?Yes. For eligible classes, E&O can be packaged with general liability and property coverages or placed as a preferred package with enhanced terms. Is prior acts coverage available for new buyers?Yes. Full prior acts coverage is available for most first-time E&O buyers, subject to underwriting review and the specifics of the account. What states is this program available in?The program is available in most U.S. states, including major markets such as California, Texas, Florida, and New York. Admitted options exist in most jurisdictions. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Hormone Centers Insurance. Overview of the Program from Professional Program Insurance Brokerage (PPIB) Professional Program Insurance Brokerage (PPIB) provides a specialized Hormone Centers Insurance program designed for providers who deliver hormone therapy, bioidentical hormone replacement, testosterone treatments, and related weight-loss services. As a program administrator, PPIB places accounts through targeted markets and underwriters who understand the clinical and professional exposures of hormone centers, clinics, and independent practitioners. Ideal Accounts and Appetite This program is built for a range of outpatient hormone-related operations, including: Testosterone centers and men’s hormone clinics BioIdentical Hormone Replacement Therapy (BHRT) providers Women’s hormone treatment centers Instructors and educators who teach hormone therapy services Hormone therapists and clinicians offering outpatient procedures Weight-loss programs offered in conjunction with hormone therapy Accounts that fit well are outpatient clinics and small to mid-sized specialty practices with standardized protocols, licensed medical staff, and formal patient consent and record-keeping procedures. Programs are generally intended for clinics and practitioners focusing on medically supervised hormone therapy rather than inpatient surgical facilities. Coverage Highlights and Advantages Underwriting focused on clinical exposures common to hormone therapy and weight-loss services. Solutions designed to address professional liability and general operational risks faced by hormone centers. Access to underwriters experienced with outpatient medical specialty lines through PPIB’s program administrator relationships. Flexible submission handling that recognizes different practice models — single-practitioner clinics to multi-provider centers. Underwriting Notes and Submission Guidance When submitting to PPIB’s Hormone Centers Insurance program, include clear information about: Provider licensure and credentialing for clinicians and instructors Scope of services (e.g., BHRT, testosterone therapy, counseling, weight-loss adjuncts) Patient consent and charting procedures Status of any standing orders, collaborative agreements, or physician oversight Contact PPIB for specific submission requirements, minimum premium thresholds, and any state-specific forms. PPIB will evaluate based on clinical controls, prior loss history, and the overall risk management program. Territories and Availability This Hormone Centers Insurance program is available in: 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..., VA, VT, WA, WI, WV, WY, and DC. Admitted placement is not available; coverage is handled on a non-admitted basis where applicable. What submission documents help speed underwriting?Include clinician licenses, a description of services, sample consent and intake forms, clinical protocols, and loss history. Clear documentation of oversight and recordkeeping reduces follow-up and speeds a quote. How do I obtain a quote or more program details?Submit a brief application or exposure summary to PPIB with the items listed above. PPIB will review and advise on next steps, required forms, and any state-specific considerations for placement. Need help placing an account? Connect with a market specialist.