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...body wraps (non-organic), or diet/weight loss services Services involving ...ols, operations involving tattooing, weight loss services, hair transplants, and the...

...hout appropriate licensing or poor loss control may be declined. Coverage H... operations, safety procedures, prior loss history, and any licenses or certif...

...data, manufacturing processes, and loss history — to expedite review. Minimum ...rmation, manufacturing processes, and loss history (if any) are typically requ...

Professional Program Insurance Brokerage (PPIB) offers: Home Based Manufacturing Insurance Are you placing accounts that manufacture cosmetic or personal care products from a residential location? Professional Program Insurance Brokerage (PPIB) offers a focused Home-Based Manufacturing Insurance program for small-scale cosmetic manufacturers, private labelers, and boutique distributors who operate from home. The program is built for businesses that formulate, package, and brand their own natural or organic lotions, creams, soaps, salt scrubs, and similar items — not for large industrial plants or facilities using heavy industrial chemicals. Ideal Accounts and Target Appetite PPIB’s Home-Based Manufacturing program targets agents with clients such as: Home-based cosmetic manufacturers and formulators Natural and organic skincare producers Private label brands operating from residential locations Small-batch distributors selling online, at markets, or through retail partners This program works best for insureds who control formulation, packaging, and branding and who use primarily natural/organic ingredients. It is not intended for large-scale, industrial manufacturing, operations using synthetic or regulated chemicals beyond personal care scope, or businesses with heavy production equipment or significant on-site employee exposure. Coverage Highlights and Advantages PPIB provides flexible liability and property solutions tailored to the exposures of home-based cosmetic businesses. Typical coverages include: General Liability for premises and operations Products Liability to address bodily injury or property damage from product use Property coverage for eligible contents and equipment (where applicable) Optional endorsements to address unique risks such as additional product exposure or expanded distribution outlets These options help agents protect clients from claims related to product reactions, labeling errors, packaging defects, and distribution incidents — common risks in small-batch skincare and cosmetics. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis in available states. Underwriting focuses on product type, ingredient transparency, labeling and ingredient lists, good manufacturing practices for small operators, and distribution channels. Agents should be prepared to provide product lists, ingredient declarations, labeling examples, and information about where and how products are sold. Accounts are reviewed individually; underwriting may decline or restrict accounts that exceed the scope of home-based operations or use regulated chemicals. Territories and Availability PPIB’s Home-Based Manufacturing Insurance is broadly available nationwide. The program is open in 48 states plus the District of Columbia and commonly placed in states including CA, TX, FL, NY, IL, and WA. Availability can vary by state and product exposures — submit details for a prompt territory confirmation. Why Work With Professional Program Insurance Brokerage? PPIB is a program administrator with deep experience placing creative and hard-to-place risks. Agents benefit from a responsive underwriting team that understands the nuances of small-batch cosmetics, private labeling, and home-based branding. PPIB provides access to specialty non-admitted capacity that may not be available through standard admitted markets, helping you place clients who need tailored product and liability protection. You might have a client who crafts an organic soap line sold online and at local markets, or a small private-label skincare brand that develops its own formulas and ships nationwide. Those are the types of accounts where this program is intended to help agents secure appropriate limits and endorsements to manage product and premises exposures. Contact PPIB to discuss eligibility and submission requirements so you can place your clients with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for home-based businesses that manufacture natural cosmetic products such as lotions, creams, soaps, and salt scrubs. It’s also suitable for small distributors and private label brands operating out of residential locations. Does the program cover product liability?Yes, products liability is a core component of the coverage and addresses exposures from the sale and use of cosmetic and skincare products. Is this program admitted or non-admitted?This program is offered on a non-admitted basis in most U.S. states through Professional Program Insurance Brokerage. Can clients who sell their products online or in retail stores qualify?Yes. Businesses that sell online, through retail outlets, at markets, or at events are typically eligible provided they meet underwriting guidelines around ingredients, labeling, and operations. What underwriting information is required to submit an account?Underwriters typically request the list of products manufactured, ingredient lists or declarations, copies of product labels, a description of the production area and processes, and details on distribution channels (online, retail, markets, etc.). Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Medical Directors Insurance. Medical Directors face unique liability exposures depending on their level of involvement in patient care and the type of facility they oversee. PPIB’s Medical Directors Insurance program is designed to help insurance agents and brokers place coverage for a wide variety of client types, ranging from direct patient care roles to purely administrative or consulting positions. Retroactive coverage can also be considered, providing additional flexibility for your insureds. Ideal Accounts and Appetite PPIB can support Medical Directors operating in a broad spectrum of industries and facilities, including but not limited to: Occupational Therapy Clinics Women’s Health Clinics Research Laboratories Prison Systems Large Corporations and Businesses Medical Spas Colleges, Schools, and Universities Long-Term Care and Assisted Living Facilities Salons and Spas Animal Ranches Tattoo Studios Submissions are also welcome for other non-standard operations on a case-by-case basis. In addition, PPIB can consider professional liability coverage for various consultant roles, such as: Marijuana Facilities Healthcare Staffing Agencies Expert Witnesses This flexibility makes it easier to place hard-to-insure accounts or those with unusual risk profiles. Coverage Highlights and Advantages Professional Liability for Medical Directors with direct, indirect, or no patient care Coverage available on a claims-made basis Retroactive coverage options available Non-admitted solution offering broader underwriting flexibility Whether your client is a physician overseeing clinical protocols at a research lab or a medical director consulting for a beauty clinic, this program provides tailored protection for their professional activities and exposures. Underwriting Notes Submissions evaluated on a case-by-case basis No minimum premium specified—contact PPIB for pricing details Applications should include detailed descriptions of services provided and facility type Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. PPIB can write Medical Directors Insurance in all states except those where prohibited. Coverage is written on a non-admitted basis, offering flexibility to craft customized solutions. Why Work With Professional Program Insurance Brokerage? PPIB is a recognized master policy holder and program administrator with deep expertise in niche and emerging markets. They specialize in placing difficult risks and offer responsive service and underwriting flexibility. If you’re an agent or broker with clients operating in non-traditional healthcare roles or facilities, PPIB can help you secure the professional liability coverage they need. You might have a client who acts as the medical director for a chain of beauty clinics, or another who provides medical oversight for a marijuana dispensary. These types of accounts are well within PPIB’s appetite and can be submitted for prompt review. Contact Professional Program Insurance Brokerage (PPIB) for all your Medical Directors Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Medical Directors working in clinics, spas, research labs, educational institutions, prison systems, healthcare agencies, and non-traditional settings like tattoo studios or marijuana facilities. Does this program cover Medical Directors who do not see patients?Yes, coverage is available for Medical Directors engaged in direct, indirect, or no patient care roles. Is retroactive coverage available?Yes, retroactive coverage can be considered depending on underwriting review. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, IL, and more. Contact PPIB to confirm availability in specific states. What information is required for a submission?Submissions should include a detailed description of the insured’s role, facility type, scope of services, and any claims history. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage® (PPIB) is pleased to introduce its specialized Workers Compensation program tailored for hard-to-place and niche industries. As a trusted Managing General Agency with decades of experience, PPIB brings a targeted solution for agents and brokers seeking Workers Compensation markets for unique businesses that often fall outside traditional underwriting appetites. Ideal Accounts and Appetite This program is designed for niche businesses in the personal services and wellness sectors. If you have insureds in the following industries, this program may be a strong fit: Medispas Day Spas Tattoo/Body Piercing Parlors Medical Testing Labs Beauty Salons Doctor Offices Permanent Makeup Artists Smoke/Vape Shops (Retail only, no 24-hour operations) Cosmetology Schools You might have a client operating a chain of medispas across three states or a single-location tattoo parlor with a growing staff—this program offers a place to write that Workers Comp business confidently. Coverage Highlights and Advantages The PPIB Workers Compensation program includes Employers Liability coverage with limits up to $1 million. It is available through all applicable markets, providing flexibility in placement. Because these industries often present unique worksite risks and employee classifications, the program is underwritten with deep awareness of each niche’s operations and exposures. Key benefits include: Coverage crafted for specialty personal service industries Access to multiple markets for competitive placement Employer’s Liability limits up to $1M Responsive service from an experienced MGA Underwriting Notes and Minimum Premiums Each submission is reviewed carefully to ensure a proper fit, with attention to operations, safety practices, and employee duties. While minimum premiums are not specified, accounts should demonstrate sound risk management practices and be retail-focused (where noted). For example, smoke/vape shops must be retail only and cannot operate 24 hours. Territories and Availability This Workers Compensation program is currently available in the following states: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, North Carolina, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin. Why Work With PPIB? PPIB has long been recognized for its commitment to underserved and emerging industry segments. As a Managing General Agency with a national footprint, PPIB offers agents access to programs that are difficult to find elsewhere. Their team understands the nuances of niche businesses and delivers fast, knowledgeable service to help you place tough Workers Compensation accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for niche businesses in the personal services and wellness sectors, including medispas, tattoo parlors, beauty salons, and smoke/vape shops (retail only). Are there restrictions for certain classes?Yes, smoke and vape shops must be retail only and cannot operate 24/7. Each submission is reviewed to ensure it fits underwriting guidelines. Is Employers Liability included?Yes, Employers Liability coverage is included with limits up to $1 million. In which states is this program available?The program is available in 30+ states, including AZ, FL, TX, CA, IL, PA, and more. Refer to the full list above for complete availability. Who underwrites this program?PPIB works with all available markets to find the best fit for your client’s Workers Compensation needs. Need help placing an account? Connect with a market specialist.