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...clude: Laser hair removal Photo facials and age/sun spot treatment ...edspa that offers laser hair removal, photo facials, and non-ablative skin resurfacin...

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.

.... Coverage is available for: Facials and Peels Microdermabrasion ...vice day spas offering services like facials, massage, waxing, and aesthetic t...

...e or payroll breakdown by service. Photographs of the premises and information... basic sanitation/training practices. Photos and any loss history help underwr...

...ge Reiki Endermologie Facials and chemical peels Body wraps ...ises offering services like massage, facials, waxing, and hydrotherapy. Can in...

...r salon offering color, cuts, and facials seeking combined liability/property ...

... • Body Waxing • Electrolysis • Facials • Hair Transplants • Laser Skin tr...

...and esthetician services (waxing, facials) Tanning salons and shops with l...ervice salon offering hair coloring, facials and waxing that needs professiona...

Policy Highlights for Barber Shop Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures. Ideal Accounts and Appetite This program is an excellent fit for a wide range of grooming and personal care businesses, including: Traditional barber shops Independent barber operators Manicurists and nail technicians Masseuses and spa professionals Ear piercing and facial services Beauty makeover specialists Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses. Coverage Highlights and Advantages Property Coverage Property insurance is available on a mono-line or package basis and includes options such as: Basic, Broad, or Special Form coverage Building and Contents coverage Business Income coverage Equipment Breakdown Computer Equipment Inland Marine Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options General Liability Primary limits up to $3 million occurrence/aggregate Included Errors and Omissions coverage at policy limits Independent contractors included as additional insureds Hired and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available) Medical Payments: $5,000 limit Excess or Umbrella limits available up to $25 million No deductible required Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness. Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals. Can individual operators be covered under this program?Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds. Is this program available on an admitted basis?Some admitted markets are available; availability depends on the specific account and state. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for abuse and molestation coverage?Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request. Need help placing an account? Connect with a market specialist.

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