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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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, 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.

Looking to place more personal-care accounts with confidence? Cochrane & Company offers a focused Beauty Shop and Barber Shop Insurance program built for agents who need reliable, market-ready solutions for salons, barbershops, and individual personal-care professionals. Written through specialty carriers (A+ XV by A.M. Best where available) on a non-admitted basis, this program delivers flexible liability and property options to protect common exposures in the beauty and grooming industries. Ideal Accounts and Eligible Classes This program fits a wide range of personal-care risks, including: Beauty salons and shops Barber shops Independent operators and booth renters Masseuses and massage providers Manicurists and nail technicians Ear-piercing technicians Makeup artists Facial and skin-care providers Whether you have a boutique salon, a solo esthetician, or a multi-chair barbershop, this program scales to match the size and service mix of the account. Coverage Highlights and Advantages Cochrane & Company’s program combines broad liability protection with property and specialty coverages tailored to personal-care operations: Primary liability limits up to $3 million occurrence/aggregate Hired & non-owned auto liability available Included coverages: Errors & omissions (professional liability) — included to policy limits Independent contractors can be added as additional insureds Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate, with optional higher limits Medical payments — $5,000 Excess/umbrella limits up to $25 million Property and Ancillary Coverages Property protection addresses common exposures for salons and shops: Building and business personal property Business income and extra expense Basic, broad, or special form available Replacement cost or actual cash value valuation Inland marine and equipment breakdown (for salon equipment) Accounts receivable, computer equipment, outside signs, and valuable papers Deductible: No deductible required for this program. Crime coverage: Available for inside and outside the premises. Underwriting Notes and Minimum Premiums Underwriting is handled by experienced underwriters who understand the nuances of personal-care risks. Minimum premium and rate depend on the account’s size, revenue, services offered, and state filing requirements. Typical considerations that affect placement include: Services performed (e.g., advanced cosmetic procedures vs. standard hair or nail services) Number of chairs/operators and payroll/exposure size Prior claims history and risk control measures Whether independent contractors are on-site and how they are managed Minimum premiums vary; contact a Cochrane & Company market specialist to discuss specific account thresholds and appetite. Territories and Availability This program is available on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability may vary by carrier and the specific risk profile—confirm state eligibility when submitting business. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep niche expertise in small commercial and specialty risks. Agents benefit from: Access to specialty carriers (including A+ XV-rated markets where available) Underwriters experienced with personal-care and grooming exposures Flexible limits and packaged solutions that address both liability and property needs Options for adding independent contractors and handling sensitive exposures (e.g., sexual/physical abuse coverage) Example placements: You might have a client who runs a multi-chair salon offering color, cuts, and facials seeking combined liability/property protection with E&O included; or a solo barber who rents a booth and needs a primary liability policy with hired/non-owned auto and equipment coverages. Both are the types of accounts this program is designed to place. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include beauty salons, barber shops, individual stylists, manicurists, masseuses, and similar personal-care providers needing packaged liability and property protection. Are independent contractors covered under this policy?Yes. Independent operators working within a salon or shop can be included as additional insureds; discuss specific wording and evidence requirements with underwriting. Is this program available in my state?This program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Availability is non-admitted and may vary by carrier and class. Does the policy include coverage for professional liability?Yes. Errors & omissions (professional liability) coverage is included up to the policy limits to help protect against claims arising from services provided. Is there a deductible for this program?No. This program does not require a deductible for the core coverages; individual endorsements or optional features may have different terms—verify on submission. Need help placing an account? Connect with a market specialist.