Professional Program Insurance Brokerage / PP Insurance Brokerage

WELCOME

Professional Program Insurance Brokerage is here to provide affordable, quality insurance coverage for cutting-edge, specialty service businesses such as a Medispas, Laser/IPL Centers, Graphic Designers, Permanent Cosmetics, Body Piercing & Tattoo Studios, Translators & Interpreters and Aesthetic Spas. If you are engaged in one of these specialty service businesses, you need to make absolutely sure you are adequately insured against any claims that may be made against you or your business. That is where Professional Program Insurance Brokerage comes in.

PPIB has been providing insurance coverage for specialty businesses for almost 20 years, and we will be glad to talk to you about your unique insurance coverage needs. PPIB was founded in 1993 to handle proprietary programs for these types of businesses on a nationwide basis. We have worked continuously with insurance industry leaders, brokers and associations to develop special coverage programs that recognize the unique nature of these specialty businesses.

Because we have worked closely with the people in the industries we insure, we have been very successful in designing programs for cutting edge businesses such as Medispas, Laser / IPL Centers, Graphic Designers, Permanent Cosmetics, Body Piercing & Tattoo Studios, Translators & Interpreters and Aesthetic Spas. Check inside for applications and other information and let PPIB help you insure your business today.  There are no other insurance programs like ours in America.

New Programs Now Available!

We are proud to announce two new programs for our new Artisan Contractors and Longterm or Home Health Care coverage.

CONTACT US

CA License #: 0B17238 / CA License #: 0H27235

Programs & Coverages:

Allied Health:What we cover includes: Adoption/Foster Agencies, Emergency/Non-Emergency Transport, Social Service Agencies, Medical Clinics, Imaging Labs, Oncology Centers, Pharmacies, Physical Therapy Clinics, Dialysis Centers, Audiologists, Dietician, Nutritionist, Music Therapist, Occupational Therapist, and Speech Pathologist.

Artisan Contractors Program: Eligible Classes Include: Air Conditioning Systems/Equipment, Carpentry Construction, Carpet Cleaning, Concrete, Door/Window Installation, Drywall, Electrical Work, Fence Erection, Handyperson, Heating, Interior Decorators, Janitorial Landscape Gardening, Masonry, Painting Exterior/Interior, and more.

Claims made Product Liability: This coverage is available for: Manufacturers, Distributors, Private Label Risks, Importers and Exporters, Tattoo/Body Piercing Supply Distribution.

Day Spas: Services we cover include: Facials & Peels, Microdermabrasion, Wax Removal, Massage Body Wrap, Eyelash/Eyebrow Enhancements, Airbrush Tanning, Hair and Nails, LED/Microcurrent, Electrolysis, Products Liability, Foot Detoxification, Saunas, Spas, and Permanent Make-up.

Graphic Designers Insurance: Logo design for new companies and/or branding, logo redesign, corporate identity; stationary, flyer, brochure, catalog, annual Report, point of sale, signage, and web site design.

Hair Transplants: We insure all of the following: Laser Hair Stimulation, Hair re-growth using Minoxidil, Hair Transplants via devices including Neograft, Traditional surgical hair transplants, Strip Technique, and Fue Technique.

Homebased Manufacturing: We offer coverage to home based risks that are manufacturing cosmetics products (ie: Lotions, Creams, Soaps, Salt Scrubs) out of all natural ingredients. Coverage is offered for risks that design their own packaging formulation and distribution for the product lines.

Hormone Centers: We consider the following: Testosterone Centers for men, BioIdentical Hormone Replacement, Treatment Centers for Women, Instructors who teach Hormone services, Hormone Therapy/Therapists, and Weight Loss services in conjunction with hormones.

Interpreters and Translators: Defense Cost Coverage, Alleging Errors, Omissions or Negligent Acts (Arising out of Professional Interpreting or Translating Services) Coverage.

Laser Acupuncture: We insure all of the following under our Laser Acupuncture Program: Smoking Cessation, Weight Loss, Allergy Relief and Pain Management.

Lasers: Services we cover include: Laser Hair Removal Insurance, Laser Professional Insurance (which includes Photo Facials, Age/Sun Spots, Veins, Acne Reduction, Rosacea, Cellulite Reduction), Cellulite Reduction Insurance with cold level lasers or class III & IV lasers, Radio Frequency Insurance including Thermage, IPL Insurance, Laser Assisted Lipolysis, Laser Toe Fungus Removal, Laser Tattoo Removal, Ablative & Non-Ablative Laser Work, CO2 Fractional Laser, Laser Smoking Cessation, Laser Acupuncture, Laser Allergy Relief. Coverage is available for Laser/IPL technicians; Aestheticians (where state law allows it); Nurses, Doctors and MediSpas.

Long Term and Health Care Programs: What we cover includes: Home Health Care, Skilled Nursing Facilities, Adult Day Care Centers, Assisted Living Facilities, and Independent Living Facilities, Healthcare Staffing, Medical Directors, Long Term Care, Housekeeper, Sitter, Host Home, Live-in Companion, Group Home, Residence Manager, Hospice Care, Telemedicine and E-Health. We can also offer the same program for your Allied Health, Medical Professional and Nursing Staff Registry accounts.

Massage Services: Available for an individual technician or the entire facility or national franchises coverage includes: Massage, Sexual Abuse, Hot Stone, Hydro Massage Facials and Peels, Body Wraps, Wax Removal, Foot Detoxification, Saunas, Steam Room, Spas, Pilates, and Products Liability.

Medical Director: Covering: Medical Spas, Occupational Therapy Clinics, Long Term Care Facilities, Salons/Spas, Colleges, Schools, Universities, Animal Ranches, Research Laboratories, Medical Directors for Major corporations, Medical Directors as required by State Law, and Medical Directors for Tattoo Businesses, Women's Health Clinics, Prison Systems, and Large Businesses

Medical Marijuana Corp Coverage: Coverage available for: Seeds, Seedlings, Vegetative Plants, Flowering Plants, Harvested Plant Material, Finished Stock distribution for the product lines, Dispensaries, Indoor Growers, Hydroponic Stores, Edible Manufacturers, and Testing Laboratories.

MedicalSpa Services: We insure the following: Hormone Treatments, Botox/Dermal Fillers, Cellulite Reduction, Dietitians and Wellness Analysis, Hair Restoration, hCG Weight Loss, Endovenous Treatment, Laser & IPL, Laser Insurance Coverage for Medical Directors (either packaged with the facilities policy or standalone coverage is available), Medical Peels, Mesotherapy & Lipodissolve, Microdermabrasion Permanent Cosmetics, Sclerotherapy, Vitamin Injectables / Injestibles, & Weight Loss

Misc. Medical Facilities: What we consider includes: Medical Spas, Laser Centers Occupational Therapy Clinics, Long Term Care Facilities, Mental Health Facilities, Research Facilities, Spas and Salons, Weight Loss Centers, Medical "Banks" and Abortion Clinics.

Nursing and Staffing Agencies: We can cover the following in this program: Home Health Care, Skilled Nursing Facilities, Adult Day Care Centers, Assisted Living Facilities, and Independent Living Facilities.

Outpatient Medical Facilities: Coverage for: Ambulatory Surgery Centers, Outpatient Rehabilitation Facilities, Outpatient Clinics, Emergency Care/Urgent, Care Centers, Dialysis Centers, Health/Wellness Clinics, Diagnostic Testing Labs, X-ray/Imaging Lab, Mental Health Counseling, Medical Day Spas and Naturopathic Doctors.

Permanent Cosmetic Insurance:Our exclusive insurance covers general and professional liability, Permanent Cosmetics-Eyeliner, Brows, Lips, Nipple Areola, Camouflage Cheek Blush, Permanent Cosmetic Teachers, Pigment Lightening/Removal, Needling/Mutitrepannic, Collagen Actuation (MCA) and Medical Directors.

Tattoo and Body Piercing Coverage: What we cover includes: Tattoo Shops, Minor Tattooing, Tattoo Removal, Communicable Disease, Sexual Abuse, Apprenticeship, Body Piercing, Surface Piercing, MCA Needling, Dermal Anchoring, Minor Piercing, Guest Piercers, Tattoo Supply Products, Tattoo & Body Piercing Manufacturers and Distributors, Landlords and Property, Body Piercing Supplies and Products Liability.

Teaching Program: We insure all of the following: Laser (Facilities or Individual Instructors), Cosmetology & Beauty, Aesthetician Programs, Medical Spa (Facilities or Individual Instructors), Massage, Company trainers for Botox and Dermal Fillers, Tattoo & Body Piercing Instructors/Apprenticeships, Dental and Medical Assistant schools Doctors & Nurses Providing and Hands on Training. No per student rate. Professional liability coverage for the facility and students. No location limitation. Available for national chains and franchises.

Weight Loss & Wellness Services: Coverage is available for businesses that offer any or all of the following: hCG Weight loss, Phentermine, Phendimetrazine, Mesotherapy, Lipotropics, Fat Transfers Laser Assisted Lipolysis/Ultrasound Lipolysis, Ablative/Non-Ablative Laser Work, C02 Fractional Lasers

Yoga: Coverage includes: Yoga Practice, Yoga Teachers, Practicing Students, Yoga Therapists, Property Coverage, World-Wide Coverage, Additional Insureds, Fire and Water Damage, Retreats and Speaking Engagements, Defendants, Deposition and Fee Expenses, Medical Expenses, First Aid, Sexual Misconduct, and HIPAA/HITECH Fine/Penalties.

EPLI/D&O: Coverage includes: Healthcare, Manufacturing, Services, High Tech, Hospitality, Retail, PEO & Staffing, Other Hard to Place risks.

Labs: Medical testing or Imaging facilities, individual technicians: (Certified Laboratory Technicians, Clinical Laboratory Technicians, Medical Technicians and Medical Lab Technicians), Pathology Laboratories, Clinical Microbiology Laboratories, Genetic Laboratories, Clinical Biochemistry Laboratories, Hematology Laboratories, Drug and Alcohol Screening Laboratories and Mobile drug/alcohol testing.

Network Security: Privacy Liability including theft of personally identifiable non-public information in computer data and hard copy form, liability arising from failure to comply with state breach-notice laws and failure to comply with the insured's privacy policies. Computer Information Security includes third party coverage in response to unauthorized access, theft of or destruction of data, denial of service attacks and virus transmission. Electronic Media Liability covers display of electronic content on the insured's website. Optional coverage for destruction and loss of data, network business interruption, and cyber extortion. Target classes are Retail and Healthcare.

Wellness: We cover the following in our Wellness Insurance programs: Nutritional Counseling, Dietitian Services, Wellness Analysis, hCG, Phentermine, Phendimetrazine Lipotropics, Didrex, Cellulite Reduction, Vitamin Injectables, Weight Loss, Hormone Treatments, Yoga  and Pilates, Medispas, Products Liability