Program Administrators - Professional Program Insurance Brokerage

Professional Program Insurance Brokerage

Programs & Coverages: Allied Health, Anti-Aging, Beauty, Laser Industry, Day Spas, Interpreters & Translators, Labs & Clinics, Home Health Care, Massage , Medical Directors, MediSpa, Permanent Cosmetics, Tattoo & Body Piercing, Teaching, Products Liability, Pyrotechnics, Smoke Shops, Wellness & Weight Loss, E-Cigs & Vaping, Worker's Compensation

M371 Bel Marin Keys Blvd. | Suite #220 | Novato, CA 94949

P415 475 4300

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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

Allied 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.com

Anti-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.com

Beauty

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.com

Laser 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.com

Day 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.com

Interpreters & 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.com

Labs & 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.com

Home 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.com

Massage

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.com

Medical 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.com

MediSpa

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.com

Permanent 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.com

Tattoo & 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.com

Teaching

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

Contact
Info@ppibcorp.com

Products Liability

Professional Program Insurance Brokerage (PPIB) provides Products Liability for unique and difficult to place risks. These include:

  • Animal Supplements
  • Home-based Manufacturers
  • Tattoo Equipment & Supplies
  • Beauty Products
  • Non-invasive Medical Devices
  • Vitamins & Supplements
  • E-Cigarettes
  • Novelty Items for Adults

Who’s Covered: Manufacturers, importers, exporters, distributors and private lablers.

Liability:

  • Products Liability with limits up to $5,000,000 on a claims made basis
  • Retroactive coverage available

Options:

  • True worldwide coverage for suits brought outside the United States

States: All states

*Non-admitted

Contact
Info@ppibcorp.com

Pyrotechnics

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
  • Property
  • Commercial Automobile
  • Cargo
  • Excess Liability

States: All States

*Non-admitted

Contact
Info@ppibcorp.com

Smoke Shops

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:
    • Fire Legal Liability
    • Medical Payments

Options:

  • Products Liability
  • Cyber Protection
  • Higher limits may be available

Property:

  • Building
  • Tenants Improvements
  • Business Personal Property
  • Business Income and Extra Expense

States: All states

*Non-admitted

Contact
Info@ppibcorp.com

Wellness & Weight Loss

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:
    • HIPPA defense
    • Communicable disease
    • Sexual abuse
  • License action
  • Personal & Advertising Injury
  • Fire Legal Liability up to $100,000
  • Medical Payments up to $5,000
  • Cyber Protection

Property:

  • Building
  • Business Personal Property
  • Business Income and Extra Expense
  • Personal and Advertising Liability
  • Cyber Protection optional

States: All states

*Non-admitted

Contact
Info@ppibcorp.com

E-Cigs & Vaping

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

Property:

  • Building
  • Business Personal Property
  • Business Income and Extra Expense

States: All states

*Non-admitted

Contact
Info@ppibcorp.com

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.com