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...(PPIB) Offers: Interpreters and Translators Insurance. Professional Program I...suited for freelance interpreters, translators, sign language professionals, and translation agencies—especially those serving legal, medical, or technical clients. Can subcontractors and employees be covered under this policy?Yes. Coverage can include domestic and foreign subcontractors or employees if their receipts are included in the insured’s gross revenue calculations. Is General Liability coverage available in addition to Professional Liability?Yes. General Liability can be added to the policy for broader third-party bodily injury and property damage protection, depending on the insured’s needs. Is this an admitted program?No. This program is written on a non-admitted basis in all available states. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, and many others. See the full list above for all eligible states. Need help placing an account? Connect with a market specialist.

...rs, including: Freelance translators and independent contract interpret... for this program? Freelance translators, contract interpreters, translation/localization agencies, and language service firms working in legal, medical, business, or education settings are good fits. Is this coverage available for new ventures? Yes. Colonial General will consider new ventures, particularly when the applicant shows relevant experience and a clear business plan or sample contracts. What territories does this program cover? The Translator and Interpreter Insurance program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available? Yes. Colonial General can place accounts in admitted or E&S markets depending on the state and the risk profile. What information is needed to get a quote? Provide years of experience, services offered, annual revenue, sample contracts or engagement letters, and any prior claims or losses to help underwriters evaluate the account quickly. Need help placing an account? Connect with a market specialist.

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..., 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: 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...h 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: Massage Insurance. As a program administrator focused on niche wellness and personal care markets, Professional Program Insurance Brokerage (PPIB) provides Massage Insurance solutions agents can rely on to place individual technicians, single-location clinics, multi-location facilities, and national franchise operations. With decades of experience underwriting bodywork and spa exposures, PPIB tailors coverage to the duties and risks your clients face so you can deliver appropriate protection and responsive service. Ideal Accounts and Appetite This program is designed for a broad range of wellness practitioners and businesses, including: Independent massage therapists and mobile practitioners Massage and bodywork clinics Day spas, medical spas, and full-service wellness centers Franchise chains and multi-location operators Common covered services (not limited to): Massage and therapeutic bodywork Hot stone therapy Hydro massage Reiki and energy work Endermologie Facials and chemical peels Body wraps Waxing and hair removal Foot detox or reflexology Saunas and steam rooms You might have a client who runs a boutique spa offering massage, facials and waxing, or an independent therapist who provides mobile house-calls—both are examples of accounts that typically fit this program. Coverage Highlights and Advantages PPIB’s Massage Insurance program offers flexible coverage options designed to address the exposures common to bodywork and wellness professionals. Available coverages may include: General Liability to cover third-party bodily injury and property damage Professional Liability for alleged errors in treatment or inadequate service Products Liability for retail or treatment products used or sold on premises Sexual Abuse & Molestation coverage available by underwriting approval Policies can be issued for single practitioners or full businesses, including multi-location and franchise structures. The program is structured to help protect insureds from claims arising from bodily injury, professional negligence, and product-related incidents common in spa and bodywork operations. Underwriting Notes This is a non-admitted program, which gives PPIB flexibility to underwrite a wider array of services and business models. Appetite and eligibility are determined case-by-case; submission requirements vary with the size of the operation, services offered, and loss history. Typical information requested includes business description, services list, payroll or gross receipts, and any claims history. PPIB underwriters work directly with agents to structure terms appropriate to the risk. States and Availability The Massage Insurance program is available in most states. PPIB currently offers this program in the following states: 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... WY, DC Why Work With PPIB? PPIB combines focused underwriting expertise with responsive service to help you place and retain wellness accounts. Key strengths include: Industry knowledge of personal care and wellness exposures Flexible, non-admitted capacity for specialized or higher-exposure risks Fast and responsive underwriting and quote turnaround Program structures that support single practitioners through multi-location franchises If you need assistance placing an account or want to discuss appetite for a specific risk, contact Professional Program Insurance Brokerage to connect with their underwriting team and market specialists. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits massage therapists, bodywork clinics, spas, medical-spa operators, and franchise groups offering services such as massage, facials, waxing, and hydrotherapy. Can individual massage therapists get coverage, or is it just for businesses?Yes. Coverage is available for individual practitioners and for businesses, including multi-location operations and franchises—terms depend on services offered and exposure levels. Is Sexual Abuse and Molestation coverage included?Sexual Abuse & Molestation coverage can be offered subject to underwriting approval and depends on the risk profile and state availability. Is this program admitted in any states?No. This is a non-admitted program, which allows greater flexibility in coverage and pricing for specialized wellness risks. What states is the program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, NY, IL, and WA. Refer to the program’s state list above for full availability. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Hormone Centers Insurance. Overview of the Program from Professional Program Insurance Brokerage (PPIB) Professional Program Insurance Brokerage (PPIB) provides a specialized Hormone Centers Insurance program designed for providers who deliver hormone therapy, bioidentical hormone replacement, testosterone treatments, and related weight-loss services. As a program administrator, PPIB places accounts through targeted markets and underwriters who understand the clinical and professional exposures of hormone centers, clinics, and independent practitioners. Ideal Accounts and Appetite This program is built for a range of outpatient hormone-related operations, including: Testosterone centers and men’s hormone clinics BioIdentical Hormone Replacement Therapy (BHRT) providers Women’s hormone treatment centers Instructors and educators who teach hormone therapy services Hormone therapists and clinicians offering outpatient procedures Weight-loss programs offered in conjunction with hormone therapy Accounts that fit well are outpatient clinics and small to mid-sized specialty practices with standardized protocols, licensed medical staff, and formal patient consent and record-keeping procedures. Programs are generally intended for clinics and practitioners focusing on medically supervised hormone therapy rather than inpatient surgical facilities. Coverage Highlights and Advantages Underwriting focused on clinical exposures common to hormone therapy and weight-loss services. Solutions designed to address professional liability and general operational risks faced by hormone centers. Access to underwriters experienced with outpatient medical specialty lines through PPIB’s program administrator relationships. Flexible submission handling that recognizes different practice models — single-practitioner clinics to multi-provider centers. Underwriting Notes and Submission Guidance When submitting to PPIB’s Hormone Centers Insurance program, include clear information about: Provider licensure and credentialing for clinicians and instructors Scope of services (e.g., BHRT, testosterone therapy, counseling, weight-loss adjuncts) Patient consent and charting procedures Status of any standing orders, collaborative agreements, or physician oversight Contact PPIB for specific submission requirements, minimum premium thresholds, and any state-specific forms. PPIB will evaluate based on clinical controls, prior loss history, and the overall risk management program. Territories and Availability This Hormone Centers Insurance program is available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI..., VA, VT, WA, WI, WV, WY, and DC. Admitted placement is not available; coverage is handled on a non-admitted basis where applicable. What submission documents help speed underwriting?Include clinician licenses, a description of services, sample consent and intake forms, clinical protocols, and loss history. Clear documentation of oversight and recordkeeping reduces follow-up and speeds a quote. How do I obtain a quote or more program details?Submit a brief application or exposure summary to PPIB with the items listed above. PPIB will review and advise on next steps, required forms, and any state-specific considerations for placement. 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...Y, 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.

...rior designers and decorators Translators and interpreters Employment agencies and staffing firms You might have a client who runs a small digital marketing agency or a niche business consultancy—this program is designed to accommodate those types of risks. We can also consider independent contractors and part-time professionals, which makes this a versatile option for your diverse client base. Coverage Highlights and Advantages Program Highlights: Punitive and exemplary damage coverage (where legally permitted) “Insured” includes independent contractors Coverage is designed to protect against claims resulting from professional services rendered, including defense costs, settlements, and judgments. The inclusion of independent contractors helps you cover 1099-based service providers, which is especially helpful in today’s gig and freelance economy. Underwriting Notes and Minimum Premiums There is no set minimum premium, allowing flexibility for smaller or emerging businesses. Our underwriting team evaluates each risk individually and works closely with agents to craft solutions that balance affordability and protection. We welcome submissions with complete applications and supporting documentation to help expedite the quoting process. Territories and Availability This program is available nationwide, including all U.S. states and the District of Columbia: from California and Texas to New York and Florida. Whether your client is based in a major metro area or a smaller regional market, OnPoint Underwriting can help you find viable coverage options. Why Work With OnPoint Underwriting on This Business At OnPoint Underwriting, we bring deep expertise in professional liability and a commitment to responsive service. Our access to multiple markets and our ability to tailor solutions for hard-to-place risks makes us a valuable partner for agents and brokers. We understand the challenges you face in finding the right fit for non-standard E&O clients—and we’re here to help you place that business with confidence. For additional information on the Miscellaneous Professional Liability Insurance program, please contact Leaticia Roberts at (404) 460-1372 or lroberts@onpointunderwriting.com. You can also visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a wide range of service providers, including consultants, marketing firms, event planners, and other non-traditional professionals with E&O exposures. Is coverage available for independent contractors?Yes, the policy can include independent contractors as insureds, making it a great fit for businesses that rely on 1099 professionals. Are there any minimum premium requirements?No fixed minimum premium applies. Each account is individually underwritten based on its risk profile and coverage needs. Can I place business in all 50 states?Yes, this program is available in all states and the District of Columbia, with access to both admitted and non-admitted markets. Who can I contact for more information or to submit a risk?You can reach out to Leaticia Roberts at OnPoint Underwriting for details or submissions. Her contact information is provided above. Need help placing an account? Connect with a market specialist. ...