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Miscellaneous Business Services Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a flexible, wholesale program for a broad range of professional and administrative service providers under the Miscellaneous Business Services category. Designed for agents and brokers placing non-standard or niche service risks, the program gives access to both admitted and non-admitted markets so you can place hard-to-fit accounts with more carrier options and underwriting support. Ideal Accounts and Target Classes This program targets small to mid-sized firms that provide specialized or administrative services. Typical classes include: Answering and paging services (GL square footage cap: 35K) Auctioneering Business manager services Event planning and promotion Executive placement (GL square footage cap: 35K) Life, career, and executive coaching Personal concierge / assistant services Project management consultants Recruiting and employment placement (GL square footage cap: 35K) Talent agencies (GL square footage cap: 35K) Training providers (business, vocational, or life skills) Translation and interpretation services Travel agencies (GL square footage cap: 35K) Tutoring services Many of these classes are underserved in standard markets because of diverse professional liability exposures or mixed operations. First Choice’s wholesale relationships and underwriting expertise make it easier for you to place accounts that need tailored terms. Coverage Highlights and Program Limits Available coverage forms include: Professional Liability (PL): Revenue eligibility up to $5M General Liability (GL): Payroll eligibility up to $3M Business Owners Policy (BOP): Revenue up to $3M and up to 35,000 sq. ft. Liability limits are flexible: the online aggregate limit can be up to $2M, with higher limits (up to $5M) available by phone through underwriting. This lets you match limits to a client’s risk profile and contract requirements. Underwriting Notes and Program Considerations Markets are available on both admitted and non-admitted paper depending on class and state. Underwriting is streamlined for many target classes when accounts fall within the stated revenue, payroll, and square footage thresholds. Accounts that combine high professional exposures, significant product operations, or heavy subcontracting may require additional review or be better placed elsewhere. Example accounts you might place through this program: A boutique career coaching firm with $2M in annual revenue operating remotely with no physical office. An executive recruitment agency occupying a 30,000 sq. ft. office with payroll under $3M. There is no single stated minimum premium; however, submissions within the published caps are most likely to be competitive and eligible for online quoting where offered. Territories and Availability This program is available in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Availability and carrier access may vary by state and by coverage form. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings broad market access and specialty underwriting experience for miscellaneous service risks. Agents benefit from: Access to both admitted and non-admitted markets for more placement options; Underwriting teams familiar with niche professional exposures and mixed operations; Flexible limit and form options to meet contract or client-specific needs; Responsive placement support for accounts that have been difficult to place in standard markets. To review First Choice’s full company profile and other programs, visit the First Choice Insurance Intermediaries, Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Business Services program?The program is geared toward small and mid-sized firms offering services such as executive placement, tutoring, project management, coaching, and travel planning. Accounts that fall within the stated revenue, payroll, and square footage limits typically qualify and receive streamlined underwriting. What are the key eligibility limits for this program?Professional Liability is typically available for accounts with up to $5M in revenue. General Liability appetite generally extends to accounts with up to $3M in payroll. BOP eligibility is usually limited to businesses with up to $3M in revenue and 35,000 sq. ft. of space. Is this program offered on an admitted basis?First Choice can access both admitted and non-admitted markets. Which paper is available depends on the class and the state—your market specialist can confirm options for each submission. Can I submit accounts outside of the listed target classes?Yes — submissions outside the listed classes may be considered, but placement is more likely when the business aligns with the program’s core appetite. Contact First Choice for underwriting guidance on unusual or hybrid operations. Which states is this program available in?This program is available in 29 states, including CA, FL, TX, NY, and IL. Carrier availability and coverages may vary by state and by coverage form. Need help placing an account? Connect with a market specialist.

Healthy Solutions for the Global Traveler When you leave home, health and security risks rise dramatically. For instance, 50% of international travelers typically need medical care if they are away from home for more than 30 consecutive days. HTH Worldwide's family of health plans featuring international medical assistance services providing unsurpassed access to a carefully selected community of top-flight hospitals, doctors, dentists and behavioral health professionals. HTH provides all the tools you need to manage health risks, including finding the most qualified doctor and clearly communicating your medical condition. HTH's Global Health Insurance Solutions feature: Comprehensive benefits covering chronic conditions to emergency evacuations in all corners of the world 24/7 telephone and web-based medical assistance HTH's international medical community, selected using exacting standards and contracted to provide convenient care at fair prices Powerful online and mobile tools to: Search for and review detailed profiles of thousands of contracted providers in over 180 countries Schedule appointments and facilitate payment Access detailed descriptions of security threats and notable medical facilities in over 600 destinations Translate brand-name drugs and medical terms and phrases

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.

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: Pyrotechnics Insurance. Professional Program Insurance Brokerage (PPIB) provides specialized Pyrotechnics Insurance designed for businesses that handle fireworks, explosives, and theatrical special effects. As a program administrator working in the non-admitted market, PPIB pairs experienced underwriting with access to markets that understand pyrotechnic exposures—helping agents place accounts that are often hard to place through standard carriers. Ideal Accounts and Appetite PPIB’s Pyrotechnics program is targeted to operations that require tailored liability and property protection because of their use of explosive or theatrical materials. Target classes include: Fireworks manufacturers Explosives importers Class C retail fireworks stores Class B fireworks wholesalers Public and private firework display companies Special effects and theatrical pyrotechnics firms Confetti cannon operators Mock military or tactical training providers Air show coordinators Indoor and stadium special effects vendors Typical fits are well-managed display operators, licensed manufacturers or importers, and event vendors with documented safety programs and trained personnel. Accounts generally should demonstrate regulatory compliance, secure storage and transport practices, and a controlled operational environment. PPIB will consider complex or high-profile risks that require flexible non-admitted solutions; small retail-only operations without appropriate licensing or poor loss control may be declined. Coverage Highlights and Advantages PPIB offers annual policies that can include the following lines tailored for pyrotechnic exposures: General liability (including event liability and premise hazards) Property coverage for facilities, inventory and equipment Commercial auto and haulage for transit of fireworks and components Workers’ compensation and employer liability Cargo coverage for shipments and imports These coverages address common exposures such as public liability at displays, transit and storage risks, employee injury during handling or setup, and damage to rented venues or third-party property. PPIB’s underwriters look for detailed operational controls and can structure limits and endorsements appropriate to the account’s risk profile. Underwriting Notes and Minimum Premiums This program is non-admitted and each submission is individually underwritten. Strong submissions include: Detailed descriptions of operations and event types Standard operating procedures, safety programs and training records Storage, handling and transportation protocols Licenses, permits and any industry certifications Loss runs and prior claims information PPIB emphasizes accounts that demonstrate active risk management and regulatory compliance. Minimum premiums vary by risk, class, and territory; discuss the specifics with a PPIB underwriter or market specialist when preparing a submission. Territories and Availability PPIB writes pyrotechnics business in most U.S. states and can assist agents placing accounts in 48 states plus Washington, D.C. Availability is subject to local regulatory requirements and market appetite—contact PPIB for state-specific confirmation and any exceptions. Why Work With PPIB? Professional Program Insurance Brokerage has decades of experience placing niche and hard-to-place risks. For pyrotechnics business, PPIB offers: Access to specialized non-admitted markets that understand explosive and theatrical risks Underwriters experienced in event, manufacturing, import and transit exposures A focus on practical risk management—rewarding accounts with documented controls Responsive service and guidance on submission requirements You might have a client that stages municipal fireworks displays requiring multi-day event liability and transit coverage, or a concert production company that needs venue, liability and special effects protection for indoor performances. PPIB’s program is designed to help you place those accounts with appropriate limits and terms. Contact Professional Program Insurance Brokerage (PPIB) for your Pyrotechnics Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include fireworks manufacturers, display operators, special effects companies, and businesses involved in mock military training or air shows. What coverages are available through this program?PPIB offers general liability, property, commercial auto, workers compensation, and cargo coverage tailored for pyrotechnics operations. Is this program admitted or non-admitted?This is a non-admitted program, allowing greater flexibility in underwriting complex or higher-risk accounts. Which states is the program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and IL, among many others. Contact PPIB for specific state availability. What information is needed to get a quote?Agents should provide detailed descriptions of operations, safety procedures, prior loss history, and any licenses or certifications held by the insured. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Labs and Clinics Insurance. PPIB’s Labs and Clinics Insurance program delivers specialized coverage solutions for a wide range of medical and testing facilities. Built for independent agents and brokers seeking reliable markets for niche healthcare accounts, this program provides flexible options for laboratories, technicians, clinical directors, and other medical professionals operating in specialized environments. Ideal Accounts and Target Classes This program fits a variety of clinical and testing operations, including: Pathology labs Clinical microbiology labs Genetic and molecular testing labs Clinical biochemistry labs Hematology labs Drug and alcohol screening labs Mobile drug/alcohol testing units Marijuana testing facilities Beer & wine testing facilities Covered professionals commonly include: Physicians and medical directors Medical and laboratory technicians Clinical directors and laboratory managers Testing facility operators Example accounts that typically fit: a startup genetic testing clinic seeking professional liability and medical director coverage, or a mobile drug-screening service that needs general liability, equipment protection for its mobile unit, and professional liability for test interpretation. Coverage Highlights and Advantages PPIB’s program can be tailored to include a combination of: General Liability (GL) Professional Liability / Errors & Omissions (E&O) Medical Director coverage for oversight responsibilities Property and equipment coverage where applicable The program is designed to address exposures common to labs and clinics, such as diagnostic errors, specimen handling and chain-of-custody issues, equipment malfunction, contamination risks, and liabilities tied to the handling and analysis of sensitive biological materials. Coverage structures and limits are flexible to match the operational profile and risk controls of each account. Underwriting Notes PPIB places this program on a non-admitted basis in all eligible states. Submissions should include a clear description of services, staffing and credentials, licensure, standard operating procedures, quality control protocols, and any risk-management programs in place (e.g., proficiency testing, chain-of-custody, HIPAA/data handling practices where relevant). Typical appetite and limitations: Good fit: diagnostic and testing labs, mobile testing units, and facilities that follow documented QA/QC and licensure requirements. Limited or excluded: high-containment research labs (BSL-3/4), facilities performing experimental pathogen culture or certain high-risk biological research—these are evaluated case-by-case and often fall outside the program’s appetite. Minimum premiums are set case-by-case; please include complete submission details to expedite an accurate indication. Territories and Availability This non-admitted program is available in the following states and 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, and DC. Why Work With PPIB? As a program administrator focused on specialty and hard-to-place markets, Professional Program Insurance Brokerage brings decades of experience placing niche healthcare risks. PPIB offers responsive underwriting, practical flexibility, and access to specialty markets that standard carriers may not serve. Agents and brokers benefit from direct underwriting dialogue and tailored solutions for unique lab and clinic exposures. Contact Professional Program Insurance Brokerage (PPIB) when you need a market for challenging labs and clinics risks—PPIB can help position accounts that need tailored professional and general liability protection. Frequently Asked Questions What types of accounts are a good fit for this Labs and Clinics Insurance program?This program is ideal for diagnostic and clinical testing operations such as pathology, genetic testing, clinical microbiology, drug screening labs, and mobile testing units that follow documented QA/QC and licensure requirements. Can Medical Directors be included in the coverage?Yes. Coverage can be extended to include Medical Directors for their oversight responsibilities within the lab or clinic setting, subject to underwriting review. Is this program available on an admitted basis?No. This program is offered on a non-admitted basis in all available states. What information is needed for underwriting?Submissions should include a full description of services, staff qualifications and licensure, sample volumes and testing types, documented SOPs and QA/QC protocols, and any risk-management practices in place. In which states is this program available?The Labs and Clinics Insurance program is available in most U.S. states and DC, including CA, FL, TX, NY, and many others listed in the program territory section above. 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.

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