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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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, 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: Medical Directors Insurance. Medical Directors face unique liability exposures depending on their level of involvement in patient care and the type of facility they oversee. PPIB’s Medical Directors Insurance program is designed to help insurance agents and brokers place coverage for a wide variety of client types, ranging from direct patient care roles to purely administrative or consulting positions. Retroactive coverage can also be considered, providing additional flexibility for your insureds. Ideal Accounts and Appetite PPIB can support Medical Directors operating in a broad spectrum of industries and facilities, including but not limited to: Occupational Therapy Clinics Women’s Health Clinics Research Laboratories Prison Systems Large Corporations and Businesses Medical Spas Colleges, Schools, and Universities Long-Term Care and Assisted Living Facilities Salons and Spas Animal Ranches Tattoo Studios Submissions are also welcome for other non-standard operations on a case-by-case basis. In addition, PPIB can consider professional liability coverage for various consultant roles, such as: Marijuana Facilities Healthcare Staffing Agencies Expert Witnesses This flexibility makes it easier to place hard-to-insure accounts or those with unusual risk profiles. Coverage Highlights and Advantages Professional Liability for Medical Directors with direct, indirect, or no patient care Coverage available on a claims-made basis Retroactive coverage options available Non-admitted solution offering broader underwriting flexibility Whether your client is a physician overseeing clinical protocols at a research lab or a medical director consulting for a beauty clinic, this program provides tailored protection for their professional activities and exposures. Underwriting Notes Submissions evaluated on a case-by-case basis No minimum premium specified—contact PPIB for pricing details Applications should include detailed descriptions of services provided and facility type Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. PPIB can write Medical Directors Insurance in all states except those where prohibited. Coverage is written on a non-admitted basis, offering flexibility to craft customized solutions. Why Work With Professional Program Insurance Brokerage? PPIB is a recognized master policy holder and program administrator with deep expertise in niche and emerging markets. They specialize in placing difficult risks and offer responsive service and underwriting flexibility. If you’re an agent or broker with clients operating in non-traditional healthcare roles or facilities, PPIB can help you secure the professional liability coverage they need. You might have a client who acts as the medical director for a chain of beauty clinics, or another who provides medical oversight for a marijuana dispensary. These types of accounts are well within PPIB’s appetite and can be submitted for prompt review. Contact Professional Program Insurance Brokerage (PPIB) for all your Medical Directors Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Medical Directors working in clinics, spas, research labs, educational institutions, prison systems, healthcare agencies, and non-traditional settings like tattoo studios or marijuana facilities. Does this program cover Medical Directors who do not see patients?Yes, coverage is available for Medical Directors engaged in direct, indirect, or no patient care roles. Is retroactive coverage available?Yes, retroactive coverage can be considered depending on underwriting review. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and more. Contact PPIB to confirm availability in specific states. What information is required for a submission?Submissions should include a detailed description of the insured’s role, facility type, scope of services, and any claims history. Need help placing an account? Connect with a market specialist.