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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.

AIG Accident & Health's CosmediCareSM Program Brown & Riding provides access to AIG Accident & Health’s CosmediCareSM Program — a targeted insurance solution for complications that can arise from elective cosmetic surgeries and medical spa procedures. The program is designed for agents and brokers who need a supplemental option to protect clients from unexpected post-operative medical costs that standard health insurance may not cover. Ideal Accounts and Coverage Appetite This program is intended for individuals undergoing elective cosmetic or aesthetic medical procedures and for producers who want to reduce their clients’ financial exposure after surgery. Typical clients include: Patients scheduling body contouring or facial rejuvenation procedures Medical spa clients receiving injectables or laser treatments Individuals undergoing breast augmentation or body lift surgeries The CosmediCareSM Program is organized into three tiers based on procedure type and relative risk: Tier 1 – Low to Moderate Risk Procedures: Autologous Fat Injection Arm Contouring/Upper Arm Lift Botox/Cosmetic Injectables Brow Lift Chin Augmentation/Reduction Cosmetic Eyelid Surgery Face Lift/Rejuvenation Facial Implants Facial Resurfacing (Dermabrasion/Chemical Peel) Hair Replacement Surgery Labiaplasty Laser Hair/Vein Removal Otoplasty Rhinoplasty Vaginoplasty Tier 2 – Moderate Risk Procedures: Breast Augmentation/Revision Breast Lift Breast Reduction Male Breast Implants and Gynecomastia Tier 3 – Higher Risk Procedures: Abdominoplasty Body Implants Body Lift Buttock Lift/Gluteal Augmentation Liposuction (including laser-assisted) Lower Body Lift Thigh Lift Thoracoplasty/Upper Body Lift Coverage Advantages The CosmediCareSM Program helps cover medically necessary expenses that result from complications such as infection, bleeding, scarring, or other adverse outcomes tied to elective procedures. This is a supplemental product — not a replacement for primary health coverage — that helps reduce out-of-pocket exposure for clients seeking aesthetic care. Underwriting and Premiums Policies are underwritten by AIG, offering the financial strength and claims experience of a national carrier. Minimum premiums and final pricing vary by procedure tier, client risk profile, and state regulations. Brown & Riding supports submission preparation and placement to help speed underwriting and increase placement success. Territories and Availability The program is available in most U.S. states, including AL, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NJ, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on an admitted basis where applicable; availability can vary by state. Why Place This Business With Brown & Riding Brown & Riding is a specialist wholesale partner and E&S broker with deep experience in accident & health products. We provide direct access to AIG’s CosmediCareSM Program plus underwriting guidance and responsive service for faster decisions. Use our team when you need reliable underwriting support for cosmetic and medical spa exposures. Example accounts that fit this program You might have a 35–50 year old client scheduling a facelift and injectable treatments who wants supplemental coverage against surgical complications that could result in additional medical bills or revision surgery. You may place a medical spa client receiving multiple laser procedures and injectables who prefers to limit out-of-pocket risk if an adverse event requires follow-up care. For more information, contact Brown & Riding: Jeffrey Jarboe Principal, Senior Vice President, Broker Telephone: 678.225.1381 Cellphone: 404.422.2483 E-Mail: [email protected] Web: http://www.brownandriding.com/health-cosmedicare/ Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients undergoing elective cosmetic or medical spa procedures who want protection against post-operative complications and related out-of-pocket costs. What procedures are covered under the CosmediCareSM Program?The program covers a broad range of cosmetic procedures, including Botox, facelifts, breast augmentations, liposuction, and more. Procedures are grouped into three tiers by risk and complexity. Is this coverage available nationwide?This program is available in a majority of U.S. states, including CA, FL, TX, NY, and many others. Contact Brown & Riding for confirmation of eligibility in a specific state. Who underwrites the CosmediCareSM Program?Coverage is underwritten by AIG, a global insurance carrier with extensive experience in accident and health insurance. How can I submit a risk to this program?Contact Jeffrey Jarboe at Brown & Riding to discuss submission requirements and get assistance with placing your client's coverage. Need help placing an account? Connect with a market specialist.

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Professional Program Insurance Brokerage (PPIB) offers a specialized Hair Transplant Insurance program designed for agents and brokers placing risks in the hair restoration and medical aesthetics space. Backed by decades of experience insuring niche medical and cosmetic practices, PPIB provides access to tailored, non-admitted solutions that cover a wide range of hair transplant procedures and technologies. Ideal Accounts and Appetite This program is built for licensed medical professionals, physician-led clinics, and surgical centers that perform hair restoration. PPIB underwrites both small boutique practices and larger clinics expanding their service mix. Eligible services commonly accepted include: Laser hair stimulation and non-invasive therapies Device-assisted transplants (for example, Neograft and similar systems) Traditional surgical hair transplant procedures Strip technique (FUT) FUE (Follicular Unit Extraction) Typical fits are physician-owned or physician-supervised practices with documented training, standard protocols, and appropriate consents. Practices without a licensed physician on staff, experimental procedures, or unregulated device use may be declined or require special submission. Coverage Highlights and Advantages PPIB’s Hair Transplant Insurance program primarily provides Professional Liability coverage for providers in the hair restoration field. Optional coverages can be added to address regulatory exposures, helping clients manage risks beyond malpractice claims. Common options include: Defense and loss coverage for licensing board actions Coverage for HIPAA-related complaints and investigations Because the program is written on a non-admitted basis, underwriters have flexibility to craft terms for unusual or hard-to-place exposures that standard markets may not accept. That flexibility is useful for clinics offering mixed cosmetic and surgical services or adopting newer device technologies. Underwriting Notes and Minimum Premiums PPIB evaluates submissions with experience in cosmetic and elective medical lines and considers each practice’s training, risk controls, patient consent procedures, and claims history. There is no published minimum premium, allowing the program to accommodate smaller operations as well as larger clinics. Payors should expect underwriters to request procedure volume, physician credentials, supervision models, and any device training documentation. Territories and Availability The program is available in most U.S. states; PPIB currently offers coverage 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. Coverage is non-admitted, so state rules and availability may vary—confirm placement options for specific jurisdictions. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep expertise in niche medical and cosmetic markets. Working with PPIB delivers quicker turnaround on submissions, flexible underwriting for unique risks, and practical knowledge of exposures common to hair restoration providers. Their underwriting approach is pragmatic and focused on enabling placements that might otherwise be difficult to bind in the admitted market. Example account scenarios you might place with this program: A physician-led clinic expanding from laser hair stimulation into FUE procedures that needs professional liability plus regulatory coverage for licensing board defense. A well-established hair transplant center adopting device-assisted transplants that requires tailored terms to reflect higher procedure volume and device training protocols. To learn more or submit a risk, visit the Professional Program Insurance Brokerage company profile or go directly to the Hair Transplant Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for licensed medical professionals and clinics that perform hair restoration procedures, including both surgical and device-assisted transplants. Is this coverage available nationwide?The program is available in most U.S. states, including CA, NY, FL, and TX. It is written on a non-admitted basis, so availability may vary by jurisdiction. What procedures are covered under this program?Covered services typically include laser hair stimulation, Neograft and similar device transplants, strip technique (FUT), FUE, and traditional hair transplant surgeries. Can this policy include coverage for regulatory exposures?Yes. Optional coverage is available for licensing board actions and HIPAA-related complaints, helping protect clients against regulatory risks in addition to professional liability. Who underwrites the coverage?PPIB acts as the program administrator and places business with specialized carriers. Specific carrier details are provided during submission and binding. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers a specialized Hair Transplant Insurance program designed for agents and brokers placing risks in the hair restoration and medical aesthetics space. Backed by decades of experience insuring niche medical and cosmetic practices, PPIB provides access to tailored, non-admitted solutions that cover a wide range of hair transplant procedures and technologies. Ideal Accounts and Appetite This program is built for licensed medical professionals, physician-led clinics, and surgical centers that perform hair restoration. PPIB underwrites both small boutique practices and larger clinics expanding their service mix. Eligible services commonly accepted include: Laser hair stimulation and non-invasive therapies Device-assisted transplants (for example, Neograft and similar systems) Traditional surgical hair transplant procedures Strip technique (FUT) FUE (Follicular Unit Extraction) Typical fits are physician-owned or physician-supervised practices with documented training, standard protocols, and appropriate consents. Practices without a licensed physician on staff, experimental procedures, or unregulated device use may be declined or require special submission. Coverage Highlights and Advantages PPIB’s Hair Transplant Insurance program primarily provides Professional Liability coverage for providers in the hair restoration field. Optional coverages can be added to address regulatory exposures, helping clients manage risks beyond malpractice claims. Common options include: Defense and loss coverage for licensing board actions Coverage for HIPAA-related complaints and investigations Because the program is written on a non-admitted basis, underwriters have flexibility to craft terms for unusual or hard-to-place exposures that standard markets may not accept. That flexibility is useful for clinics offering mixed cosmetic and surgical services or adopting newer device technologies. Underwriting Notes and Minimum Premiums PPIB evaluates submissions with experience in cosmetic and elective medical lines and considers each practice’s training, risk controls, patient consent procedures, and claims history. There is no published minimum premium, allowing the program to accommodate smaller operations as well as larger clinics. Payors should expect underwriters to request procedure volume, physician credentials, supervision models, and any device training documentation. Territories and Availability The program is available in most U.S. states; PPIB currently offers coverage 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. Coverage is non-admitted, so state rules and availability may vary—confirm placement options for specific jurisdictions. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep expertise in niche medical and cosmetic markets. Working with PPIB delivers quicker turnaround on submissions, flexible underwriting for unique risks, and practical knowledge of exposures common to hair restoration providers. Their underwriting approach is pragmatic and focused on enabling placements that might otherwise be difficult to bind in the admitted market. Example account scenarios you might place with this program: A physician-led clinic expanding from laser hair stimulation into FUE procedures that needs professional liability plus regulatory coverage for licensing board defense. A well-established hair transplant center adopting device-assisted transplants that requires tailored terms to reflect higher procedure volume and device training protocols. To learn more or submit a risk, visit the Professional Program Insurance Brokerage company profile or go directly to the Hair Transplant Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for licensed medical professionals and clinics that perform hair restoration procedures, including both surgical and device-assisted transplants. Is this coverage available nationwide?The program is available in most U.S. states, including CA, NY, FL, and TX. It is written on a non-admitted basis, so availability may vary by jurisdiction. What procedures are covered under this program?Covered services typically include laser hair stimulation, Neograft and similar device transplants, strip technique (FUT), FUE, and traditional hair transplant surgeries. Can this policy include coverage for regulatory exposures?Yes. Optional coverage is available for licensing board actions and HIPAA-related complaints, helping protect clients against regulatory risks in addition to professional liability. Who underwrites the coverage?PPIB acts as the program administrator and places business with specialized carriers. Specific carrier details are provided during submission and binding. Need help placing an account? Connect with a market specialist.

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Professional Program Insurance Brokerage (PPIB) offers: Beauty Insurance PPIB's Beauty Insurance program is designed for agents and brokers placing non-medical personal care accounts. The program focuses on routine salon, spa, and aesthetic services and provides tailored commercial liability solutions for independent cosmetologists, aestheticians, salons, spas, and other beauty professionals. Our Beauty Program offers coverage for the following services: Facials Peels Microdermabrasion Electrolysis LED/Microcurrent Body Wraps, Massage Eyelash Enhancement Foot Detoxification Eyebrow Enhancement Airbrush Tanning Tanning Beds/Booths Hair Nails Needling/Collagen Induction Therapy Hydro Massage Wax Removal Topical Makeup Threading Sugaring Saunas Overview of the Program From Professional Program Insurance Brokerage PPIB administers a focused Beauty Insurance program for non-medical beauty and personal care operations. The program is positioned to give agents a market for a wide range of everyday salon and spa exposures—covering general liability and applicable ancillary products—while offering underwriting that understands the nuances of beauty services. Ideal Accounts and Appetite Independent beauticians, cosmetologists, and licensed aestheticians working in salons or mobile settings. Full-service salons and day spas that provide non-invasive treatments listed above. Small- to medium-sized businesses with typical retail and service revenue streams from beauty treatments. Generally fits: non-medical, non-surgical beauty services performed by licensed professionals. Not intended for medical or surgical cosmetic procedures that require physician oversight or hospital-based services. Coverage Highlights and Advantages Program underwriter familiar with salon/spa exposures and common service categories. Flexible policy forms suitable for individual practitioners and multi-operator salons. Options to address premises and operations, product liability for topical products, and professional liability exposures where applicable. Streamlined submission process for faster quoting on routine accounts. Underwriting Notes and Submission Guidance When submitting to PPIB, provide clear details to speed underwriting decisions: a description of services performed, business location(s), licensing information for service providers, and recent revenue or payroll breakdown by service. Photographs of the premises and information on sanitation/training protocols are helpful. If you have unique exposures, disclose them up front so the program can evaluate appropriate coverages or endorsements. Minimum premium and specific form availability vary—contact PPIB for current thresholds and quote requirements. Territories and Admitted Status Availability: 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. Admitted status: No States — this program is positioned for non-admitted placements. Please confirm placement options and paper availability with PPIB for each submission. Why Work With Professional Program Insurance Brokerage on Beauty Business Program administrator expertise in niche personal care lines helps place routine and moderately complex beauty risks. Responsive underwriting for common salon and spa class codes—helpful when other markets label accounts as higher risk. Practical guidance on documentation and submissions to improve hit-ratio and speed of binding. Example scenarios: You might have a three-chair day spa offering facials, waxing, and eyelash services seeking combined premises and products coverage; or a solo licensed aesthetician operating mobile appointments looking for general liability and professional coverage. Both are the types of accounts PPIB routinely evaluates. Contact Professional Program Insurance Brokerage (PPIB) for quotes, submission instructions, and placement assistance for your beauty industry accounts. Frequently Asked Questions What types of accounts are a good fit for PPIB's Beauty Insurance program?Accounts that provide non-invasive beauty and personal care services—salons, spas, cosmetologists, aestheticians, nail and hair studios—are a good fit. The program focuses on routine, licensed services rather than medical or surgical procedures. What submission information speeds up underwriting?Provide a list of services performed, number of operators and their licenses, annual revenue by service, description of premises (or mobile operations), and basic sanitation/training practices. Photos and any loss history help underwriters assess quickly. Is this program available nationwide?The program is available in the states and DC listed above. Placement is generally non-admitted; confirm paper availability and any state-specific requirements with PPIB before submission. Are medical or injectable procedures included?No. The program is intended for non-medical beauty services. Procedures that require physician oversight, surgical settings, or injectable medical treatments are typically outside this program's appetite and should be submitted only after prior discussion with PPIB. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Tattoo & Body Piercing Insurance. As a program administrator with decades of experience in niche markets, Professional Program Insurance Brokerage (PPIB) delivers tailored insurance solutions for the body art industry. Our Tattoo & Body Piercing Insurance program is designed to meet the unique risks faced by tattoo artists, body piercers, and shop owners across the country. Ideal Accounts and Appetite This program is ideal for: Independent tattoo artists and body piercers Full-service tattoo and piercing studios Shops operating mobile units or attending conventions Facilities offering permanent makeup or advanced body modifications Businesses with apprenticeship programs or that serve minors (where legally permitted) Whether your client is a single artist renting a booth or a multi-operator shop with multiple service offerings, this program can provide the comprehensive protection they need. Coverage Highlights and Advantages Our comprehensive coverage options help insureds manage a broad range of exposures common in the body art industry. Available coverage includes: Professional Liability – Protects against claims arising from the rendering of tattoo and piercing services. General Liability – Covers third-party bodily injury and property damage. Property Coverage – Optional coverage for the studio’s equipment and premises. Communicable Disease – Optional protection for claims resulting from disease transmission allegations. Sexual Abuse & Molestation – Available for qualified accounts. Coverage Extensions – Includes apprentices, landlords, mobile units, and event/convention exposures. We understand the nuances of the body art world, and our program reflects that with broad eligibility and flexible coverage options. Underwriting Notes This is a non-admitted program available in most states. Submissions should include a completed application and details of services offered. Coverage for minors, advanced procedures, or mobile units may require additional underwriting information. Territories and Availability This program is available in nearly every state, including but not limited to CA, NY, TX, FL, IL, and WA. We currently write business in all 50 states and the District of Columbia. Why Work With PPIB? PPIB has been a trusted partner to insurance agents and brokers for over 25 years, offering specialized programs that meet the needs of unique industries. Our in-depth knowledge of the tattoo and piercing space allows us to underwrite with insight and flexibility. We streamline the process so you can get your clients covered quickly and confidently. Contact Professional Program Insurance Brokerage (PPIB) for all your Tattoo & Body Piercing Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for tattoo and piercing shops, independent artists, mobile operators, and studios offering permanent makeup or advanced body modifications. Is coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underwriting review and local legal requirements. Can this program cover mobile units and conventions?Yes, we offer options to cover mobile units and participation in events or conventions, making it suitable for traveling artists and vendors. What coverages are included in the policy?The program typically includes Professional and General Liability, with optional Property, Communicable Disease, Sexual Abuse, and other key endorsements. In which states is this program available?This is a nationwide program available in all 50 states and Washington, DC, on a non-admitted basis. Need help placing an account? Connect with a market specialist.