Search CompleteMarkets

...essional liability for Permanent Cosmetics which can include: Eyebrows ...ting expertise focused on permanent cosmetics and associated spa services Pr...

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.

...isks in small-batch skincare and cosmetics. Underwriting Notes and Minimum Pr...erstands the nuances of small-batch cosmetics, private labeling, and home-base...

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.

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.

...yelash enhancements or permanent cosmetics, or seeking better coverage for an ...h extensions, tanning, or permanent cosmetics. Is this program available in al...

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.