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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.

Claims Survey System Utilizing psychographic research that we have done over the past 20 years, we are able to interpret the buying behavior of your top clients. We target the clients of your choice by having them participate in answering a psychographic-based survey. The results predict future client behavior. New Client Surveys We have developed a survey for New Clients to give the Agencies we work with an additional competitive advantage by asking the new clients for their precise preferences around communication, delivery, processing, etc. at the beginning of their relationship with the Agency. We will utilize the New Client Survey as a competitive advantage in attracting prospective clients. Current Client Surveys Goal: To obtain Claimants’ feedback about their claim experience, to increase the quality of the Insured’s experience, and to add to Selective’s bottom line. We will survey your current "A" and "B" clients to uncover what they like most about working with your agency. What value-added products are they willing to pay a fee for? We utilize a combination of online surveys and telephone interviews to obtain feedback from all Claimants. This detailed feedback loop allows Selective to make significant and incremental changes to its claims process that will significantly impact its bottom line. We guarantee that Selective will see a 200% ROI within two years. ...

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.

The experts at 21st Century Management Consulting are uniquely equipped to probe into your clients' minds and uncover their core beliefs about their relationship with your agency and how they will make decisions in the future to stay with, refer to and cross-buy from your agency. The result: one-to-one customized service! What would a 10% increase in your sales hit ratio mean to your agency's revenue over the next three months? I bet that is a significant number. At 21st Century Management Consulting, we are Client intelligence and retention experts who specialize inthe P&C insurance industry for over 23 years. All of our work is highly customized and high touch. Utilizing our psychographic research that we have used over the past 23 years, we can interpret the buying behaviors of your top prospective Clients: why they did not decide to work with your agency? We target the prospective Clients that you wanted and interview them utilizing psychographic-based questions. We have been very successful in reaching them and have them tell us about their exeperiences during your marketing and sales process. The results uncover what they needed from you to have become your Client. This will give you the key phrases, strategies, methodologies, and language necessary to dramatically increase your sales hit ratios within three months! Discover in this Webinar the keys to our proven strategies and results. You will: 1. Have a stronger marketing and sales program, 2. Pinpoint more easily highly qualitfied prospects, 3. Win more business, 4. Earn more money, and 5. Save money and time. Join us for a short Webinar that will leave a lasting impact! 21st Century Management Consulting 32 Coyne Road Waban, MA 02468 Phone: 781-899-4210 Fax: 781-899-0707 Email: lynnthomas@21stcenturymgmt.com to register. ...

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.

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. ...

...signers Technical writers, interpreters, and transcriptionists If your client offers a unique professional service or combines multiple service lines that are hard to classify, SLB’s Miscellaneous E&O is worth considering. Coverage Highlights and Advantages SLB’s Miscellaneous E&O program is built for flexibility and affordability. Key features include: Eligibility across a wide range of risk classes Broad definition of professional services, with extension endorsements available Low minimum premiums and deductible options (deductibles start at $1,000) Optional Network Security & Privacy (cyber) coverage for qualifying accounts Availability of General Liability (GL) and Contingent BI/PD for select classes Defense Outside the Limits and First Dollar Defense options These features help you match coverage to each client’s exposures while keeping premiums competitive. Underwriting Notes and Minimum Premiums SLB underwrites Miscellaneous E&O with an emphasis on the specifics of each professional service. Underwriters look for clear descriptions of services, revenue breakdowns by activity, and any written contracts or disclaimers. Minimum premiums begin at $1,000, with flexible deductible and limit structures based on class and risk profile. Territories and Availability This program is available in most states, 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...risdiction. Why Work With SLB Insurance Group As a Managing General Agency and Excess & Surplus Lines Broker, SLB brings niche expertise and broad carrier access to hard-to-place professional risks. Their underwriting teams move quickly, provide pragmatic risk guidance, and can assemble tailored coverage packages across admitted and E&S markets. That combination helps you place unique or evolving professional exposures with greater confidence. Examples you might see in your book: a start-up consultant who offers a mix of strategy and implementation services across multiple industries, or a freelance content professional who requires both E&O and optional cyber/privacy protection. In both cases SLB can often structure limits, deductibles, and endorsements to fit the client’s needs. For more information on SLB’s Miscellaneous E&O Insurance program and eligible business classes, contact SLB Insurance Group today. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program is geared toward niche and emerging service providers—consultants, event planners, training firms, freelancers, and other professionals who don’t fit traditional E&O classes. Is this program available nationwide?The program is available in most states, including major U.S. markets. Contact SLB for confirmation of eligibility in a specific state. What is the minimum premium for coverage?Minimum premiums start at $1,000. Deductible and limit options vary by class and underwriting assessment. Are additional coverages like cyber liability available?Yes. Network Security & Privacy (cyber) solutions are available as optional endorsements for qualifying accounts. What carrier markets does SLB work with for this program?SLB has access to multiple carrier markets, allowing them to tailor coverage and pricing to the account’s specific needs and risk profile. 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. ...

...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: 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.