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...am may be a strong fit: Medispas Day Spas Tattoo/Body Pierc... find the best fit for your client’s Workers Compensation needs. Need help placing an a...

AP Advantage has the expertise and understanding for the Medical Spas industry that your client needs. We understand that this industry is complex and can be difficult to obtain, which is why we have partnered with multiple carriers to provide the Professional Liability your Medical Spa clients need. Our Medical Spa carriers are open to a broad market of target classes such as; cosmetic spa, aesthetic spa, wellness/preventive spas, alternative spas and, large massage franchise which have multiple locations. In addition to the wide range of target classes we work with, our program also covers the types of treatments your clients provide in their facilities. Covered Procedures: • Non-Surgical Cosmetic • Aesthetic Skin Care • Dermal Fillers • Botox • Colonics • Wart, Mole and Skin Tag Removal • Esthetician Services • Body Waxing • Electrolysis • Facials • Hair Transplants • Laser Skin treatment • Laser Hair Removal • Massage Therapy • Permanent Makeup • Micropigmentation • Microdermabrasion Please note that we can also provide non-surgical weight loss management and administration of hormone therapy. Coverages Include: • Dedicated Limit of defense • Punitive Damages • Subpoena Defense • Disciplinary Proceedings Defense • Office Premises Patient Property Damage • Reputational Risk • Sexual Abuse • Molestation Sublimits • First Dollar Defense • Cyber Sublimits • Media, Data Security and Privacy Coverage • Professional Liability • General Liability Combined Policy • Defense Outside • Extension of Coverage to Medical Doctors for Direct Patient Care Our Medical Spas carriers can provide your client with multiple limit options and deductions and also extends coverage to medical directors for administrative duties that are incident sensitive. For more information on our Medical Spa carriers please give send us a submission, inquiry or give us a call to get in touch with one of our experts.

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.

...t of fireworks and components Workers’ compensation and employer liability...iability, property, commercial auto, workers compensation, and cargo coverage tailored fo...

...ical directors Medical spas (MediSpas) The program accommodates both indi...

...herapy and Wellness Analysis Medispas and providers selling private-label ...to handle hybrid operations such as medispas that combine aesthetic, wellness,...

...Commercial Umbrella • Crime • Workers' Compensation • Employment Practic...fessional liability, auto, umbrella, workers’ comp, EPLI, and the CMS-required...

Mercator Risk Services, offered through Preferred Concepts LLC, provides Professional Liability coverage tailored for accounting professionals. The program is built to serve a broad range of accounting operations — from solo practitioners and seasonal tax preparers to small and mid-sized firms that perform audits, reviews, tax work, bookkeeping, or consulting. Whether your client handles tax-only engagements or provides full audit and advisory services, Mercator pairs competitive terms with flexible underwriting. Ideal Accounts and Appetite This program is a strong fit for: Small start-up accounting firms Practices focused on tax preparation, including seasonal operations Firms that serve specific professions or industries General accounting firms with incidental electronic data processing (EDP) work CPAs leaving larger firms to start independent practices Firms offering general accounting services with some related management consulting Mercator also reviews hard-to-place risks, including accounts with prior claims or financial impairments. If an account has been declined elsewhere, this program may still be an option. Coverage Highlights and Advantages Professional Liability (Errors & Omissions) coverage for accounting professionals Standard limits typically start at $1 million Coverage issued on a claims-made basis Minimum premiums and deductibles generally start around $1,000—often lower for tax-only operations Flexible underwriting to accommodate varied service models and specialties Accountants face heightened exposure from regulatory scrutiny, audit work, and complex tax matters. This program helps protect firms from the expense of professional liability claims arising from alleged errors, omissions, or negligent advice — including missed fraud, tax preparation mistakes, and disputed consulting outcomes. Underwriting Notes and Minimum Premiums Mercator Risk Services offers adaptable underwriting to fit a wide range of firm sizes and risk profiles. They can accept your client’s existing application (excluding renewals) or provide a streamlined, program-specific application. Minimum premiums and deductibles typically begin at $1,000, with potential reductions for low-risk, tax-only practices. Territories and Availability This Accountants Professional Liability program is offered on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents and brokers nationwide can access coverage through Preferred Concepts LLC and Mercator Risk Services. Why Work With Preferred Concepts LLC Preferred Concepts LLC provides access to Mercator Risk Services, a wholesale broker with deep experience in professional liability for accountants. They leverage relationships with multiple carriers to place both standard and hard-to-place accounts. Their underwriting approach is practical and responsive, helping you secure tailored coverage for clients who have atypical exposures or limited placement options. Examples of good-fit accounts you might submit: a CPA who recently left a regional firm to start a solo practice that prepares individual and business tax returns; or a small firm that provides bookkeeping, payroll, and occasional advisory services and needs $1M/$1M professional liability limits. For both, Mercator’s flexible underwriting and program forms can simplify placement. To discuss a submission or start an application, contact Mercator Risk Services at (860) 527-9717 or email [email protected]. You can also visit their website at www.mercatorpro.com for more information on products, applications, and other specialty lines. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized accounting firms, solo CPAs, and tax preparers. It also works well for firms that perform general accounting, incidental EDP work, or provide limited management consulting. Can this program cover firms with prior claims?Yes. Mercator Risk Services will consider hard-to-place and distressed accounts, including those with past claims or documented financial issues, depending on the loss history and current controls. Is the coverage admitted or non-admitted?The program is available on a non-admitted basis across all states and Washington, D.C. Are there minimum premiums or deductibles?Minimum premiums and deductibles generally start around $1,000. Lower pricing may be available for low-risk, tax-only operations. What is the application process like?You may submit your client’s existing application (renewals excluded), or request a program-specific application from Mercator to accelerate underwriting and placement. 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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, 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: 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, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Note: admitted status is not available in any state; placements are handled on a non-admitted/surplus basis where required. Why Work with PPIB on Hormone Centers Insurance Program administrator expertise: PPIB focuses on niche healthcare specialty programs and understands the documentation and underwriting expectations for hormone therapy providers. Agent support: PPIB works with brokers who need tailored placement options for clinics and individual practitioners. Practical appetite: The program accepts a variety of outpatient practice models when clinical controls and licensing are in place. Example accounts that fit A two-provider clinic offering BHRT and medically supervised weight-loss programs with documented protocols and electronic medical records. An instructor who runs continuing-education courses on hormone therapy and requires professional liability coverage for teaching and demonstration services. For submissions, underwriting guidelines, or to request a quote, contact Professional Program Insurance Brokerage (PPIB). Provide full practice information, staff credentials, and sample consent forms to accelerate review. Frequently Asked Questions What types of hormone-related practices are a good fit for this program?The program is best for outpatient hormone therapy providers: testosterone clinics, BHRT practices, women’s hormone centers, instructors teaching hormone services, and weight-loss services offered alongside hormone therapy. Practices should have licensed clinicians and clear treatment protocols. Which states are eligible for placement through PPIB?The 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, SC, SD, TN, TX, UT, 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.