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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: 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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With 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.