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...ciates Tattoo Parlors & Body Piercing Insurance Jacobs & Associates ...s the program cover both tattoo and piercing services?Yes. The policy is designed to cover tattoo and body piercing operations, including hybrid stud...

...ands-on apprenticeships (tattoo, piercing) Medical assistant and other cli...massage therapy schools, tattoo and piercing apprenticeships, and other vocati...

Environmental Insurance Coverage — Cochrane & Company Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs. Overview of the Program This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers. Ideal Accounts and Appetite Environmental contractors performing remediation, site work, or contracting services with pollution exposures. Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection. Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage. Owners/operators of storage tanks, fuel handling locations, and dry cleaners. Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL). Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information. Coverage Highlights and Advantages Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements. Excess placement up to $10,000,000 — supported and unsupported options depending on the account. Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships. Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events. MCS-90 filings available when auto is bound in conjunction with GL. Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account. Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory. Territories and Admitted Status Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis. Why Work With Cochrane & Company Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms. Example Accounts A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations. An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity. Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work. What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review. Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting. What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks. Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account. Need help placing an account? Connect with a market specialist.

Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage. Target classes — Eligible exposures Catering businesses Farms and dairies Household goods movers (local) Wholesale and retail delivery Food delivery (non-pizza operations) Mobile businesses and couriers Magazine and newspaper distributors Armored cars Manufacturing businesses Ready-mix operations (cement mixers, concrete pumpers) Funeral operations Vacuum trucks and street sweepers Contractors, cranes and boom trucks Not eligible Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable) Petroleum-based product haulers (refer to petroleum marketer programs) For-hire, revenue-generating trucking units (refer to trucking programs) Pizza delivery operations Triple trailers, end-dump or side-dump trailers Regulated medical or biohazardous waste Mobile-home toters Any risk hauling logs Student drivers or risks allowing nonemployee passengers Underwriting requirements Loss history for current and prior three policy years Complete VINs for all power units Complete drivers’ roster (all drivers must have acceptable MVRs) Coverage features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injury protection Physical damage for schedules of vehicles Motor truck cargo / inland marine options Multi-line discounts when you package other business lines Overview — Cochrane & Company Specialty Auto Insurance This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations. Ideal accounts and appetite Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories. Example scenarios: You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage. A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options. Coverage highlights and advantages Higher liability limits (up to $5M) for operations with elevated exposure. Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate. Motor truck cargo / inland marine options for legal-liability exposure on local hauls. Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate. Multi-line discounts available when you place additional business through the same carrier relationships. Underwriting notes and minimum premiums Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier. Reporting capabilities Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include: Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form) Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value Territories and availability States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk. Why work with Cochrane & Company on Specialty Auto Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations. Access to multiple carriers and flexible reporting structures to match book-of-business needs. Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups. Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program. Frequently Asked Questions What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles. What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis. Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure. Need help placing an account? Connect with a market specialist.

Fire Suppression and Sprinkler Contractors Insurance Program A fire can escalate within seconds, making early detection and suppression systems critical to life safety and property protection. Ryan Specialty National Programs offers a focused insurance solution for contractors in the fire suppression and sprinkler trades. Built for businesses with strong hiring practices, documented training, and favorable loss histories, this program combines targeted underwriting with flexible market placement to protect contractors’ operations and professional exposures. Ideal Accounts and Target Classes This program is designed for a broad range of fire protection professionals, including contractors who perform: Installation, inspection, service, and repair of wet and dry sprinkler systems Design, installation, and monitoring of fire suppression systems Sales, service, and recharging of portable fire extinguishers Specification and installation of chemical-based suppression systems Typical accounts that fit the appetite include retrofit work, CPVC/PVC installations, retail sales and service operations, and residential projects. You might have a client who installs dry-pipe systems in commercial warehouses or a contractor who designs chemical suppression systems for restaurant kitchens — both are good candidates for this program when supported by documented safety and training programs. Coverage Highlights and Advantages Ryan Specialty National Programs provides a comprehensive set of coverages tailored to this industry’s exposures: General Liability: Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate (minimum GL premium $1,500) Professional Liability: Errors & Omissions coverage for design and specification exposures Workers’ Compensation to cover on-the-job injuries Auto Liability for company vehicles and equipment transport Excess/Umbrella Liability: In-house binding authority up to $10 million Property, Inland Marine, and Crime to protect tools, materials, and business property Care, Custody, and Control Coverage for exposure tied to clients’ property while in your care This package is aimed at protecting contractors from bodily injury, property damage, and professional liability arising from installation, maintenance, and design activities. Underwriting Notes and Submission Requirements Underwriters look for accounts with documented risk controls and stable loss histories. When submitting, include the following to speed placement: Completed supplemental application specific to fire protection contractors ACORD forms (General Liability and Auto as applicable) Five years of currently valued loss runs Target or expiring premium Ryan Specialty favors contractors with formal safety programs, routine employee training, and supervision on complex projects. High-frequency loss activity, practice without proper licensing, or large-scale design/build projects with unresolved contractual risk transfer may be challenging to place. Territories and Availability This program is available nationwide — all 50 states and Washington, D.C. — and is placed on a non-admitted basis through multiple carrier partners to provide flexibility and capacity for varied risk profiles. Why Work With Ryan Specialty National Programs? As a program administrator, Ryan Specialty National Programs brings deep underwriting expertise in the fire protection niche and streamlined processes for retail agents. Benefits for agents include: Access to multiple carrier partners and in-house binding authority for excess limits Dedicated underwriting familiar with sprinkler and suppression exposures Efficient submission handling for faster turnaround Scalable solutions for small service shops up to larger design and monitoring contractors Whether you are placing a straightforward sprinkler installation contractor or a firm that provides system design and monitoring, this program gives you tools to tailor placement and limit client gaps in coverage. Contact us today for more information on our Fire Suppression and Sprinkler Contractors Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors involved in the installation, service, design, and monitoring of fire suppression systems, sprinkler systems, and fire extinguishers. Is this program available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is placed on a non-admitted basis through multiple carrier partners. What is the minimum premium for General Liability coverage?The minimum premium for General Liability coverage starts at $1,500. What types of coverage are included in this program?Available coverages include General Liability, Professional Liability (E&O), Workers’ Compensation, Auto Liability, Excess/Umbrella, Property, Inland Marine, and Crime. What documentation is required to submit a risk?Agents should submit a completed supplemental application, ACORD forms, five years of loss runs, and the target or expiring premium. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Smoke Shop Insurance. Specialized Insurance for Smoke Shops Professional Program Insurance Brokerage (PPIB) provides a focused Smoke Shop Insurance program crafted for retailers that sell tobacco, vaping products, and related paraphernalia. The program is designed to be flexible for single-location shops up to multi-location retail operations, offering coverages that address the operational and property risks common to this niche. Ideal Accounts and Target Classes This program targets brick-and-mortar retail operations, including: Vape shops and vapor lounges (retail-focused) Hookah lounges (excluding nightclub-style operations and venues with bar/club exposure) Cigarette and cigar shops Independent smoke shops Paraphernalia and accessories retailers The appetite is retail-centric. Accounts with nightclub exposure, significant on-premises alcohol service, or entertainment/late-night club operations are outside this program’s typical scope. Coverage Highlights PPIB’s Smoke Shop Insurance program provides General Liability and Property options tailored to retail smoke businesses. Common coverages and features include: Building and tenant improvements coverage Business personal property and inventory protection, including theft (subject to underwriting) Loss of business income / extra expense coverage Outdoor signage and glass coverage Coverages can be customized to reflect whether a client leases space in a shopping center or owns their building. Limits and terms are determined through underwriting to match each account’s exposures. Underwriting and Program Structure This program is written on a non-admitted basis and is administered by PPIB as the program administrator. While specific minimum premiums are not published, PPIB’s underwriting team will review account size, location, inventory values, security controls, and operational practices to determine eligibility and pricing. Typical underwriting considerations include inventory turnover and storage, theft prevention measures, employee practices, and whether any on-site consumption or entertainment creates elevated liability exposure. States Where Coverage is Available PPIB’s Smoke Shop Insurance program is available in most states, including CA, TX, FL, NY, IL, and WA. Coverage is offered in the following jurisdictions: AK, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY, DC Why Work With PPIB? Professional Program Insurance Brokerage brings specialized experience placing hard-to-insure retail accounts in niche markets. Agents will find: Underwriters experienced with smoke, vape, and related retail classes Flexible, non-admitted solutions for non-standard risks Responsive service and support for retail agents and brokers nationwide Use PPIB when you need a market that understands the inventory, theft, and liability exposures specific to smoke shops and related retailers. Example fits You have a downtown vape shop with high foot traffic and a moderate inventory of e-liquids and devices — the program can provide tailored property and liability protection with theft controls considered in pricing. You represent a multi-location cigar shop chain seeking a consistent package across several states — PPIB can evaluate multi-location appetite and provide coordinated coverage through the program. Contact Professional Program Insurance Brokerage (PPIB) for Smoke Shop Insurance options and placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for retail-focused smoke shops, vape stores, cigar shops, paraphernalia retailers, and hookah lounges that do not operate like nightclubs. Is this program admitted?No. The Smoke Shop Insurance program is written on a non-admitted basis in all available states. Can this program cover inventory theft?Yes. Property coverage can include inventory and theft protection, subject to underwriting review and agreed limits. Are multi-location businesses eligible for coverage?Yes. Multi-location retail operations can be considered if they meet the program’s underwriting guidelines and fall within the stated appetite. What states is this program available in?Coverage is available in most U.S. states, including CA, TX, FL, NY, and many others. Contact PPIB for state-specific details. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Medispa Services Insurance. Overview As a program administrator, Professional Program Insurance Brokerage (PPIB) places tailored insurance solutions for medispa facilities and aesthetic professionals. You can use this program to place single-location practices or multi-site operations that deliver elective aesthetic and wellness services. Coverage is structured to address the clinical and liability exposures common to medispas and allied health practices. Ideal Accounts & Target Classes This program targets licensed professionals and facilities that provide non-surgical aesthetic and wellness services. Typical fits include: Medical spas and aesthetic clinics Providers performing Botox, dermal fillers, and hormone therapy Wellness clinics offering IV therapy, weight-loss programs, or supplements Facilities using lasers, IPLs, radio frequency devices, and body contouring equipment Medical directors, physician oversight arrangements, and clinical support staff Example fits: you might have a client who recently opened a medispa offering vitamin injections, laser hair removal, and body sculpting — or a physician expanding into non-invasive aesthetic services. Both are typical submissions for this program. Coverage Highlights PPIB's Medispa Services Insurance offers a suite of coverages that address the common exposures in aesthetic and wellness practices: Professional (medical) liability General liability Property coverage HIPAA defense and privacy breach response Communicable disease coverage Sexual abuse and molestation coverage License action defense coverage Applicable Procedures and Services The program covers a broad array of elective procedures and supportive services, including: Hormone therapy and prescription weight-loss programs (hCG, lipotropics) Injectables: Botox and dermal fillers Body contouring, fat transfer, lipolysis, and tumescent liposuction Lasers, IPLs, LEDs, and radio frequency treatments Medical peels, mesotherapy, and permanent cosmetics Vein treatments and sclerotherapy Medical directors and affiliated clinical staff Underwriting & Submission Notes PPIB's underwriting team focuses on niche allied-health risks. Submissions are evaluated for scope of services, clinician licensing and credentialing, written protocols, consent processes, training, and loss history. Provide a completed application, service descriptions, licensing details, and prior loss runs (if applicable) to expedite review. Pricing reflects the mix of services, claim history, and size of operations; there is no published flat minimum premium. Underwriters may ask for risk-management documentation for higher-exposure procedures (e.g., full-time medical director oversight for surgical-level services). Program Availability This program is placed on a non-admitted basis in all available territories. Current availability includes: 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. Why Work with PPIB on Medispa Business With over 25 years of specialty program experience, Professional Program Insurance Brokerage provides agents and brokers with responsive underwriting, deep product knowledge, and access to tailored coverage not always available in standard markets. PPIB is positioned to handle complex allied-health placements and multi-location accounts. Contact Professional Program Insurance Brokerage (PPIB) to discuss placement options for your next Medispa Services Insurance account. Frequently Asked Questions What types of accounts are a good fit for this program? This program is suited for medical spas, licensed aesthetic practitioners, and wellness clinics that offer injectables, laser services, hormone therapy, body contouring, IV infusions, and similar elective procedures. Can I submit an account with multiple locations? Yes. PPIB can provide coverage for single-location practices and multi-location operations under a single policy structure, subject to underwriting review. What procedures are typically covered under this policy? Typical covered services include injectables (Botox, fillers), laser and IPL treatments, hormone and weight-loss programs, vein treatments and sclerotherapy, body contouring, and other non-surgical aesthetic procedures. Is this program admitted or non-admitted? This program is offered on a non-admitted basis in all available states and territories. What information is required to submit an account? Provide a completed application, detailed descriptions of services and devices used, licensing and credential information for clinicians, and prior loss history where available to help underwriters evaluate the risk. Need help placing an account? Connect with a market specialist.

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.