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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.

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 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. ...

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...N, 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...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.

...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. ...

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: 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. ...