Program Administrators - Professional Program Insurance Brokerage
Professional Program Insurance Brokerage
Company Description
Since 1993, Professional Program Insurance Brokers (PPIB) has been providing agents, brokers and wholesale brokers nationwide with unique insurance solutions for challenging risks. From tattoo parlors and medi-spas to pyrotechnics, we offer proprietary insurance programs available in all states.
Why We’re Different
- No premium commitments to access current programs
- Quick quote turnaround, competitive pricing and ever expanding product offerings
- Higher commissions for wholesale brokers
- Quotes available without a broker agreement, although necessary to bind
- Specialized coverage options targeted to each industry, including General Liability, Professional Liability, Products Liability, Property, Workers’ Compensation and Cyber Liability for cutting-edge industries
Most importantly, we are innovative, responsive and flexible so you can provide outstanding service your customers expect.
Program Design
PPIB has successfully created individualized programs for associations, franchises and homogeneous risks from the ground up. Having strong relationships in the Excess and Surplus Lines market gives you the carrier access you need. We also help you avoid concerns that arise with new programs such as lack of exclusivity, large premium commitments and the requirement to move an existing book to support new premium. We can offer exclusive access to brokers and will assist with forms and endorsements, rating methodology, underwriting guidelines and applications.
Additional Services
- Customized marketing brochures
- Co-branded applications
- Industry-specific forms, such as consent, medical and aftercare
- Industry research and education
- Option for a program management system
CA License # 0B17238/CA
Programs & Coverages
Worker's Compensation
Professional Program Insurance Brokerage (PPIB) offers Worker’s Compensation coverage, with Employers’ Liability up to $1,000,000, for the following types of risks:
- Beauty Salons
- Cosmetology Schools
- Day Spas
- Doctors’ Offices
- Medical Testing Labs
- Medispas
- Permanent Makeup Artists
- Smoke & Vape Shops (retail only, no 24 hour)
- Tattoo & Body Piercing Parlors
States: AZ, AR, CO, CT, DE, District of Columbia, FL, GA, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI
*Admitted
Contact
Info@ppibcorp.comAllied Health
Professional Program Insurance Brokerage’s Allied Health program provides Professional and General Liability for a wide variety of health facilities and professionals. Coverage may be considered for the following:
Health Facilities:
- Adult Day Care Centers
- Assisted (nonskilled) Care
- Dialysis Centers
- Drug & Alcohol Rehab Centers
- Group Homes
- Home Health Care
- Hospice Centers
- Independent Living Facilities
- Oncology Centers
- Outpatient Medical Facilities
- Pharmacies (Compounding)
- Physical Therapy Clinics
- Social Services Agencies
Who’s Covered: Health Professionals associated with the above facilities, as well as
- Audio/Speech Pathologists
- Certified Lab Technicians
- Cryotherapists
- Dietician/Nutritionists
- Homeopaths
- Hypnotherapists
- Life Coaches
- Medical Directors
- Occupational Therapists
- Physical Therapists
- Speech Therapists
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Included:- HIPAA defense
- Communicable disease
- Sexual abuse
- License action
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
- Option for Cyber Protection
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States:
All states
*Non-admitted
Contact
Info@ppibcorp.comAnti-Aging
This program offered by PPIB includes Professional and General Liability, as well as Property Coverage, to professionals associated with the Anti-Aging industry and it covers a broad spectrum of services. These include:
- Body Contouring
- Cellulite Reduction
- Colon Hydrotherapy
- Cryotherapy
- Fat Transfers
- Hormone Treatments
- IV Treatments
- Lipotropics
- Mini Tummy Tucks
- Nutritional Counseling
- PDO Threading
- Silhouette Lifts
- Vitamins & Supplements
- Weight Loss
- Wellness Analysis
Who Can Be Covered: Entire facilities, or individuals operating in a single or multiple locations, including aestheticians (where available), dieticians, nurses, doctors and medical directors.
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Included:- HIPPA defense
- Communicable disease
- Sexual abuse
- License action
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
- Cyber Protection optional
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comBeauty
The beauty industry today encompasses a wide range of services and the Professional Program Insurance Brokerage (PPIB) program provides coverage for most. For salon and spa facilities, it provides Professional and General Liability, including Products Liability, for the following:
- Airbrush Tanning
- Body Wraps
- Cryospot Treatment
- Electolysis
- Eyelash & Brow Enhancement
- Facials & Peels
- Foot Detoxification
- Hair Styling
- LED/Microcurrent
- Massage
- Microdermabrasion
- Nail Treatments
- Needling/Collagen Induction
- Skin Tag Removal
- Sugaring
- Tanning Booths & Beds
- Threading
- Topical Makeup
- Wax Removal
Who’s Covered: Salon and spa facilities and their employees and coverage can be extended to independent contractors.
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Included:- HIPPA defense
- Communicable disease
- Sexual abuse
- License action
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
- Cyber Protection optional
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comLaser Industry
Professional Program Insurance Brokerage (PPIB) offers affordable insurance for the dynamic Cosmetic Laser industry. The program includes coverage for the following:
- Laser / IPL Hair Removal
- Laser / IPL Professional Services including Photo Facials, Age/Sun Spots, Veins, Acne Reduction, Rosacea, Skin Rejuvenation, Skin Tightening, Wrinkle Reduction)
- Cellulite Reduction with cold level lasers or class III & IV lasers
- Radio Frequency including Thermage
- Ultrasound / Laser Assisted Lipolysis (can include fat transfers)
- Laser Fungus Removal
- Wart / Skin Tag Removal
- Tattoo Removal
- Ablative & Non-Ablative Laser Work
- CO2 Fractional Laser Work
- Smoking Cessation
- Acupuncture
- Laser Allergy Relief
- Pain Management Therapy
Who’s Covered: Entire facilities, or individuals operating in a single or multiple locations, including aestheticians (where available), dieticians, laser technicians, nurses, doctors and medical directors.
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Can include:- HIPPA defense
- Communicable disease
- Sexual abuse
- License action
- Cyber protection
- Personal & Advertising Injury
- Fire Legal Liability
- Medical Payments
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
States: All states
*Non-admitted
Contact
Info@ppibcorp.comDay Spas
The spa industry is expanding and so are the number of services offered in these facilities. Professional Program Insurance Brokerage (PPIB) offers programs that cover most. These include:
- Airbrush Tanning
- Body Contouring/Body Wraps
- Cellulite Reduction
- Cryotherapy
- Electrolysis
- Endermologie
- Eyelash & Brow Enhancement
- Facials & Peels
- Foot Detoxification
- Hair Styling
- Hydro Massage
- LED Hair Stimulation
- LED/Microcurrent
- LED Teeth Whitening
- Massage
- Hydro Massage
- Microdermabrasion
- Nail Treatments
- Needling & Collagen Induction Therapy
- Non-invasive Ultrasound & Radiofrequency
- Permanent Makeup/Microstroking
- Pigment Removal
- Reiki
- Saunas
- Sugaring
- Tanning Booths & Beds
- Threading
- Topical Makeup
- Wax Removal
Who’s Covered: Entire facilities, their employees and independent contractors working on behalf of the business.
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Included:- Communicable disease
- Sexual abuse
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
- Cyber Protection optional
- Excess Liability available
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comInterpreters & Translators
Professional Program Insurance Brokerage (PPIB) offers Professional Liability coverage to protect interpreters and translators against alleged errors, omissions and/or negligent acts arising out of their services.
Categories:
- Medical
- Educational
- Judicial
- And more
Who’s covered:
- Independent Contractors
- Business owners and their employees
- Domestic and foreign subcontractors
Liability:
- Professional Liability with limits up to $1,000,000/$3,000,000 on a Claims-Made basis
- Option for General Liability with limits up to $1,000,000/$2,000,000 on an Occurrence basis
- Additional Insured endorsements available
*Non-admitted
Contact
Info@ppibcorp.comLabs & Clinics
Professional Program Insurance Brokerage (PPIB) offers a program that provides Professional and General Liability coverage to a wide range of medical laboratories and facilities. These include:
- Beer & Wine Testing Facilities
- Drug & Alcohol Screening
- Microbiology Labs
- Biochemistry Labs
- Genetic Labs
- Mobile Labs
- Hematology Labs
- Pathology Labs
Who’s Covered: Facilities and their employees, including:
- Doctors
- Laboratory Technicians
- Medical Directors
- Lab Directors
- Medical Technicians
Liability:
- Professional Liability with limits up to $1,000,000/$2,000,000
- General Liability limits up to $1,000,000/$2,000,000
Options:- HIPAA defense
- License action
- Cyber Protection
- Defense outside the limits
- Personal and Advertising Liability
- Fire Legal Liability up to $100,000
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comHome Health Care
Professional Program Insurance Brokerage (PPIB) offers comprehensive insurance programs designed specifically to meet the needs the needs of home care facilities. These include:
- Adult Day Care
- Assisted Living
- Long Term Care
Who can be covered: Facilities and their employees, including medical directors, housekeepers, sitters, host homes, live-in companions, residence managers and hospice care.
Liability:
- General Liability and Professional Liability with limits up to $10,000,000
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
Included:- HIPAA defense
- Sexual abuse
- Cyber Protection
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comMassage
Professional Program Insurance Brokerage (PPIB) provides Professional and General Liability coverage that can include a variety therapies:
- Body Wraps
- Hot Stone Massage
- Saunas & Steam Rooms
- Endermologie
- Hydro Massage
- Spas
- Facials & Peels
- Massage
- Wax Removal
- Foot Detoxification
- Reiki
Who’s Covered: Individual therapists, the entire facilities and employees and most national franchises.
Liability:
- Professional and General Liability with limits up to $1,000,000/$2,000,000
Included:- Communicable Disease
- Sexual Abuse
- Personal & Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
- Cyber Protection optional
- Excess Liability available
Options:
- Products Liability
- Sexual Abuse
Property:
- Buildings
- Business Personal Property
- Business Income and Extra Expense
States: All States
*Non-admitted
Contact
Info@ppibcorp.comMedical Directors
The Professional Liability exposures for Medical Directors are unique and Professional Program Insurance Brokerage provides the coverage they need. This includes directors that oversee the following:
- Animal Ranches
- Long Term Care Facilities
- Salons & Spas
- Home Health
- Medical Spas
- Schools, Colleges & Universities
- Hospice
- Occupational Therapy Clinics
- Tattoo Businesses
- Laboratories
- Prison Systems
- Women’s Health Clinics
Many other types of operations and health consultants may be considered.
Who Can Be Covered: Directors that work directly and indirectly with patients and those that provide no patient care.
Liability:
- Professional Liability on a Claims-made basis with limits of $1,000,000/$3,000,000
- Retroactive coverage available
Options:- License action
- Defense outside limits
- Competitive minimum premiums
States: All states
*Non-admitted
Contact
Info@ppibcorp.comMediSpa
PPIB offers monoline and package policies for Medispa facilities covering a broad array of services. These include:
- Aesthetics
- Hair Transplants
- PDO Threading
- Body Contouring
- hCG & Prescription Weight Loss
- Permanent Cosmetics
- Botox/Fillers
- Hormone Treatment
- Radio Frequency
- Cellulite Reduction
- Laser Hair Removal
- Sclerotherapy
- Colon Hydrotherapy
- Laser & IPL Services
- Tattoo Removal
- Cryotherapy
- Lipolysis & Tumescent Liposuction
- Vein Treatment
- Dermal Fillers
- Lipotropics
- Vitamins & Supplements
- Fat Transfers
- Medical Peels
- Wellness Analysis
- Mesotherapy
Who’s Covered: Entire facilities, or individuals operating in a single or multiple locations, including aestheticians (where available), dieticians, laser technicians, nurses, doctors and medical directors.
Liability:
- General Liability and Professional Liability with limits up to $1,000,000/$2,000,000
Can include:- HIPPA defense
- Communicable disease
- Sexual abuse
- License action
- Cyber protection
- Personal & Advertising Injury
- Fire Legal Liability
- Medical Payments
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
- Personal and Advertising Liability
- Medical Payments up to $5,000
- Fire Legal Liability up to $100,000
States: All states
*Non-admitted
Contact
Info@ppibcorp.comPermanent Cosmetics
Permanent make-up and cosmetic tattooing continue to be highly popular procedures and Professional Program Insurance Brokerage (PPIB) has an exclusive program that covers General and Professional Liability for the application of:
- Bald Spot Repigmentation
- Lips Color & Lipliner
- Microstroking
- Eyebrows
- Needling/Collagen Induction Therapy
- Pigment Removal
- Eyeliner
- Nipple Areola
- Scar Camouflage
Who Can Be Covered: Independent contractors, businesses and their employee and supervising physicians may be added. Aesthetic professionals and tattoo artists can be combined on one policy as well as Day Spa or Medispa services.
Liability:
- Professional Liability with limits up to $2,000,000/$3,000,000
- General Liability with limits up to $2,000,000/$3,000,000
Including:- Personal and Advertising Liability
- Fire Legal Liability
- Medical Payments
Options:
- Convention Coverage
- Products Liability
- Sexual Abuse
- Communicable Disease
- Cyber Protection
- Higher limits may be available
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comTattoo & Body Piercing
The world of body art is ever expanding and the exposures associated with these organizations are unique. Professional Program Insurance Brokerage (PPIB) provides a broad range of coverages for the following:
- Tattoo & Body Piercing Shops
- Individual Tattooers & Body Piercers
Who’s Covered: Entire shops and their employees and independent contractors may be included.
Liability:
- Professional Liability with limits up to $2,000,000/$3,000,000
- General Liability with limits up to $2,000,000/$3,000,000
Including:- Personal and Advertising Liability
- Fire Legal Liability
- Medical Payments
- Communicable Disease (sublimits apply)
- Options:
- Piercing & Tattooing of minors
- Advanced Piercing
- Permanent Make-up
- Sexual Abuse
- Apprenticeship Programs
- Mobile Units & Conventions
- Cyber Protection
- Higher limits may be available
Property:
- Building
- Business Personal Property
- Business Income and Extra Expense
States: All states
*Non-admitted
Contact
Info@ppibcorp.comTeaching
Professional Program Insurance Brokerage (PPIB) offers Professional Liability coverage for schools and individual instructors.
- Schools & Facilities
- Aesthetician
- Beauty & Cosmetology
- Doctors & Nurses providing hands-on training
- Massage
- Medical Assistant
- Medispa Services, including Laser & Botox/Dermal Filler
- Permanent Make-up
- Tattoo & Body Piercing
Who’s Covered:
- Advanced Educators
- Equipment Trainers, i.e., Lasers
- Individual Teachers
- One-on-One Trainers
- Schools & Facilities
Liability:
Professional Liability with limits up to $2,000,000/$3,000,000
Policy Features:
- No location limitation
- No per student rate
States: All states
*Non-admitted