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...urance Brokerage (PPIB) offers: Pyrotechnics Insurance. Professional Program...n, and cargo coverage tailored for pyrotechnics operations. Is this program ad...

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...tions (for example, unpermitted pyrotechnics or stunts without prior underwrit...ample, major stunts or unpermitted pyrotechnics), accounts with severe or unre...

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: 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: Teaching Programs Insurance. Overview of the Program From PPIB Professional Program Insurance Brokerage (PPIB) provides a specialized Teaching Programs Insurance solution for instructors, vocational schools, and training facilities in the beauty, wellness, and medical aesthetics industries. Backed by decades of niche experience, PPIB delivers tailored liability solutions that address the unique exposures of hands-on instruction — from single instructors to multi-location franchise operations. The program is built to help agents place accounts that require flexible, risk-aware underwriting for regulated and emerging training services. Ideal Accounts and Appetite PPIB’s Teaching Programs Insurance is designed for a broad range of instructional accounts, including: Laser training programs (facility-based or individual instructors) Cosmetology and beauty schools Aesthetician and permanent cosmetics instruction Medical spa training and corporate trainers for Botox/dermal fillers Massage therapy schools and hands-on apprenticeships (tattoo, piercing) Medical assistant and other clinical training facilities Marijuana education programs where training exposures exist Doctors and nurses providing supervised, hands-on clinical instruction This program fits individual technicians, private and group facilities, franchise operations, and national chains. If you have a client who teaches certification courses across multiple locations or a solo instructor offering intensive, hands-on classes, this market is a strong option. Coverage Highlights and Advantages No location limitation — coverage follows the insured regardless of the training site No per-student rating — streamlined approach simplifies quoting and renewals Available for both individual instructors and organization-level placements Underwrites regulated and emerging fields where conventional markets may be restricted Example accounts: You might place a regional medical aesthetics training center that teaches Botox and filler certification across several states, or a tattoo apprenticeship program seeking liability protection for instructors and students during supervised procedures. Underwriting Notes This is a non-admitted program, which provides flexibility for unique and emerging risks. Submissions are reviewed on a case-by-case basis with particular focus on the type of instruction, degree of student hands-on involvement, supervision levels, facility controls, and any use of regulated devices or pharmaceuticals. There is no stated minimum premium, allowing accessibility for smaller instructors and larger training operations alike. Provide complete details on curricula, student ratios, supervision, and facility safety procedures to speed underwriting. Territories and Availability PPIB offers Teaching Programs Insurance in most U.S. jurisdictions. The program is available in the following states and DC: 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. Confirm availability for your client’s specific state before quoting, since the program is not offered where prohibited. Why Work With PPIB on This Business As a program administrator focused on high-liability professional programs, PPIB brings targeted underwriting expertise for hands-on training environments in cosmetology, medical aesthetics, and related fields. Agents benefit from a market that understands these exposures, offers flexible non-admitted capacity, and works with you to place both individual instructors and complex, multi-location operations. PPIB’s team is positioned to handle specialty risks that standard admitted carriers may decline. Contact Professional Program Insurance Brokerage (PPIB) for all your Teaching Programs Insurance placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cosmetology schools, laser training programs, medical aesthetics instructors, massage therapy schools, tattoo and piercing apprenticeships, and other vocational training providers in the beauty and wellness sectors. Is this coverage available for individual instructors or only facilities?Coverage is available for both individual instructors and training facilities, including franchises and national chains. Are there any geographic limitations for coverage?No location limitations are imposed by the program itself, but availability is subject to state regulations. Confirm coverage for your client’s specific state. Is there a per-student rate applied?No. This program does not use per-student rating, which simplifies quoting and underwriting. Is this an admitted insurance program?No. This is a non-admitted program, which allows greater flexibility for specialty and emerging training operations. Need help placing an account? Connect with a market specialist.

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