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
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:
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:
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:
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:
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:
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
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:
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
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
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:
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:
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:
Professional Program Insurance Brokerage (PPIB) provides annual policies in an exclusive program for all types of pyrotechnic businesses and other risks involving explosives. These include:
Explosive Importers
Firework Manufacturers
Fireworks Class C Retailers
Fireworks Class B Wholesalers
Fireworks Display Companies
Special Effects Companies
In addition to the above, the program can provide coverage for the pyrotechnic effects at Mock Military Trainings, Air Shows, Indoor Special Effects Shows and Sporting Events.
Who’s Covered: Individuals businesses and their employees.
Coverages Available:
General Liability with limits of up to $5,000,000 om a claims-made basis
The number of Smoke Shops in the United States continues to rise and Professional Program Insurance Brokerage (PPIB) provides General Liability and Property coverage for the following types of risks:
Vape Shops
Hookah Lounges (no night club exposures)
Cigarette & Cigar Shops
Smoke Shops
Paraphernalia Stores
Who’s Covered: Businesses and their employees.
Liability:
General Liability with limits up to $2,000,000/$3,000,000
Including:
With the obsession with wellness and weight loss ever increasing in the United States, the number of clinics is increasing and they offer a broad array of services. Professional Program Insurance Brokerage (PPIB) can provide coverage for the following:
Appetite Suppressants
hCG
Nutritional Counseling
Body Contouring
Hormone Treatments
Vitamin Supplements
Cellulite Reduction
IV Chelation 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
Included:
E-cigarette use is on the rise and Professional Program Insurance Brokerage (PPIB) has kept pace with new and innovative insurance products. This program includes:
Cigarette & Cigar Shops
E-Juice Manufacturers
Paraphernalia Stores
E-Cig & Vape Shops
Hookah Lounges (no night clubs)
Smoke Shops
Who’s Covered: Facilities, importers and distributors.
Liability:
Products Liability
General Liability
Medical Payments
Fire Legal Liability
Cyber Protection optional
Option for true worldwide coverage for lawsuits brought outside the United States
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
