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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.

Professional Program Insurance Brokerage (PPIB) offers: Misc. Medical Facilities Insurance. What we consider includes: Medical Spas Laser Centers Minor Cosmetic Enhancement Outpatient Centers Occupational Therapy Clinics Long Term Care Facilities Mental Health Facilities Research Facilities Spas and Salons Weight Loss Centers Medical “Banks” Foster Agencies Contact Professional Program Insurance Brokerage (PPIB) for all your Misc. Medical Facilities Insurance needs. Overview of the Program From Professional Program Insurance Brokerage (PPIB) Professional Program Insurance Brokerage (PPIB) places Misc. Medical Facilities Insurance through excess & surplus markets to cover a wide range of outpatient and non-acute medical operations. This program is designed for agents and brokers who need market access for non-standard or niche medical exposures that may not fit admitted carriers’ appetite. PPIB pairs targeted underwriting with E&S capacity to deliver tailored solutions for medical spas, outpatient cosmetic centers, therapy clinics, long-term care, behavioral health facilities, research sites and similar operations. Ideal Accounts and Appetite Medical spas and laser centers offering non-invasive cosmetic procedures and aesthetic services. Minor cosmetic enhancement outpatient centers that do not perform major inpatient surgeries. Rehabilitation providers such as occupational therapy clinics and outpatient physical therapy practices. Behavioral health, mental health facilities, and long-term care operations with stable risk controls. Research facilities and medical “banks” with defined policies and credentialing for staff. Weight loss centers, spas and salons where supervised programs and non-surgical treatments are primary services. Coverage Highlights and Advantages Access to E&S markets for accounts that need flexible terms, specialty endorsements, or broader underwriting acceptance. Customizable liability solutions that may include professional liability (where available), general liability, and abuse/molestation endorsements as applicable. Underwriting that considers credentialing, procedures performed, risk management practices, and facility controls—allowing placement of many niche operations declined elsewhere. Specialized knowledge of outpatient medical exposures so submissions are evaluated with industry context rather than a one-size-fits-all approach. Underwriting Notes and Minimum Premiums Underwriting looks for clear scopes of practice, documented credentialing, written procedures, and loss history. Provide applications, five years of loss runs, a description of services and procedures performed, staffing credentials, and any risk-control protocols when available. This is an excess & surplus placement; please assume non-admitted placement and confirm any state-specific filing requirements with your broker of record. If you have a unique account, include full details—this program evaluates risks on a case-by-case basis. Territories and Availability This program is available in the following 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, DC. Because placements are through excess & surplus markets, availability and filing requirements may vary by state—confirm with PPIB prior to submission. Why Work With Professional Program Insurance Brokerage (PPIB) Specialty focus: PPIB has experience placing a wide range of non-acute medical facilities and allied health operations. E&S access: Ability to place non-standard risks that admitted markets often decline or limit. Practical underwriting: Evaluations emphasize controls, credentialing and the actual procedures performed—helping you place accounts without unnecessary exclusions. Responsive submissions: Provide complete submissions (application, loss runs, procedures list) to help underwriters quote more efficiently. Example Accounts That Typically Fit A multi-location medical spa offering laser hair removal, injectables, and supervised aesthetic treatments with documented staff training and no history of professional liability claims. An outpatient occupational therapy clinic affiliated with a rehabilitation network seeking general liability and professional coverage for therapists and aides. Frequently Asked Questions What types of accounts are a good fit for this Misc. Medical Facilities program?Accounts that provide non-acute medical or allied health services—medical spas, laser centers, outpatient cosmetic clinics, therapy clinics, weight-loss centers, long-term care and behavioral health facilities—are a good fit when they have documented procedures, credentialed staff, and reasonable loss history. Is this program admitted or non-admitted?This program is placed through excess & surplus markets. Expect non-admitted placements and confirm any state-specific filing or disclosure requirements with PPIB before submitting business. What submission documents help move a file quickly?Include a completed application, five years of loss runs, descriptions of procedures performed, staff credentials, and any written risk-management protocols or consent forms. More complete files generally receive faster and more competitive quotes. Are there common account features that will likely be declined?High-exposure surgical centers that perform major inpatient procedures, accounts with significant adverse loss history, or facilities lacking credentialing and written procedures are often outside this program’s appetite. Each submission is reviewed individually. Can you place multi-state operations?Yes — the program can consider multi-state risks within the listed territories. State-specific rules for non-admitted placements vary, so coordinate filings and compliance with PPIB when submitting a multi-state account. Need help placing an account? Connect with a market specialist.

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: 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.

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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.

Professional Program Insurance Brokerage (PPIB) offers: Medical Devices Insurance. If you’re looking to place accounts in the medical device sector, Professional Program Insurance Brokerage (PPIB) provides a flexible and comprehensive Medical Devices Insurance program designed for a wide range of clients. As an established Excess & Surplus Lines Broker, PPIB offers customized solutions for hard-to-place and niche risks in the healthcare and medical technology industries. Overview of the Program from PPIB PPIB’s Medical Devices Insurance program is tailored for businesses involved in the design, manufacturing, distribution, and sale of minimally invasive medical devices. This includes companies conducting clinical trials, engaging in research and development, or importing products for use in hospitals and healthcare facilities. Whether your client is a startup or an established distributor, PPIB offers access to specialized coverage that addresses the complex liability exposures of the medical device space. Ideal Accounts and Appetite This program is designed for a wide variety of medical device-related risks, including: Manufacturers of minimally invasive medical devices Distributors and importers of medical equipment and components Companies involved in clinical trials or R&D for new devices Firms selling directly to hospitals, clinics, or healthcare providers You might have a client launching a new line of diagnostic tools or a wholesaler importing surgical instruments—both would be strong candidates for this program. Coverage Highlights and Advantages Products Liability coverage with optional inclusion or exclusion of General Liability Worldwide coverage available for international exposures Customizable policy terms based on the risk profile and distribution model Competitive terms for both new ventures and established operations This program is especially beneficial for accounts that may not be eligible for admitted markets due to the nature of their operations or emerging technologies. Underwriting Notes and Minimum Premiums While minimum premium requirements vary by risk, PPIB evaluates each submission individually, offering tailored solutions for qualified accounts. As a wholesale broker operating in the excess and surplus lines space, PPIB is well-positioned to accommodate unique or emerging risks that fall outside standard underwriting boxes. Territories and Availability This non-admitted program is available in most U.S. states, including but not limited to CA, NY, FL, TX, IL, and WA. Coverage is offered in all states except where prohibited, and includes Washington D.C. Why Work With PPIB? With decades of experience in placing specialty insurance programs, PPIB brings deep industry knowledge and responsive service to every submission. The firm understands the nuances of the medical device industry and works closely with brokers to craft coverage that addresses both product and professional liability concerns. Contact Professional Program Insurance Brokerage (PPIB) today to learn how their Medical Devices Insurance program can help you protect your clients in this evolving and high-stakes sector. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, distributors, importers, and developers of minimally invasive medical devices, especially those selling to hospitals or healthcare providers. Can startups or companies in early development stages qualify?Yes, PPIB considers early-stage companies, including those involved in research, development, and clinical trials, as long as they meet underwriting criteria. Is General Liability automatically included in the policy?General Liability can be included or excluded depending on the specific needs of the risk. PPIB works with you to structure the policy accordingly. Is this program available in all states?The program is available in most U.S. states and Washington D.C., on a non-admitted basis. Some state restrictions may apply. Does the program offer international coverage?Yes, worldwide coverage is available for eligible risks with international exposures. Need help placing an account? Connect with a market specialist.