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    PPIB


    Working Remotely - Winners and Losers

    Opinion article written by Susan Preston. With COVID-19 many companies are rushing to embrace the idea of having their people work remotely. If this becomes the new norm, it is important to analyze who will win, who will lose and what the overall result in society will be.

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    WHY IS THERE NO GLAMOUR and EXCITEMENT IN INSURANCE?

    Insurance does not attract innovation, excitement or glamour. Ours is an industry that changes very little over time. Other industries and businesses that do not change and reinvent themselves become obsolete yet the insurance business plugs along year after year. Recently I attended a conference of insurance wholesale owners and managers and many were lamenting the fact young people don’t want to get into insurance.

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    Social Relevance of Insurance

    Opinion article written by Susan Preston. So much is changing in the world, and insurance has a major part in leading the effort to understand how we can cope with new realities.

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    Clay Mayweather voted top 100 Specialist Brokers 2020 in IBA Magazine

    Clay Mayweather voted top 100 Specialist Brokers 2020 in Insurance Business America magazine.

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    Can You “Think Outside the Box” if Underwriting Dies

    Recently I read a book about people who achieved financial success. There were two common themes running through their personal stories: the first is the ability to accept risk, and the other is thinking outside the box. In the insurance industry, one might argue they should be the same thing.

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    Susan Preston named as one of 68 elite women, has been at the forefront of setting up insurance programs.

    Making Insurance Glamorous and Interesting. Insuring the unique and unusual garners Susan Preston her 4th Elite Women award in 2019.

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    Susan Preston, President of PPIB to interview Julie Zhou, VP of Facebook on April 25th

    Professional Program Insurance Brokerage in Novato California is pleased to announce that Susan Preston, President will be in conversation with Julie Zhou, Vice President of Facebook on April 25 at the WomenTalkBiz confab in Santa Rosa California.

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    Specialty Program Group LLC Aquires Professional Program Insurance Brokerage

    Summit, New Jersey, June 01, 2018 – Specialty Program Group LLC. (SPG) a leading insurance holding company for specialty brokerages and underwriting facilities announced today that it has acquired the assets of Professional Program Insurance Brokerage (PPIB).

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    The Insurance Business America Magazine (IBA), October 2017 issue, named Susan Preston as one of the 5 women in the IBA Hall of Fame.

    The IBA profiled 35 leaders whose unparalleled achievements, successful track records and tireless community service have made them stand out in the insurance industry.

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    Are Your Clients "Bugging" You?

    In the distant past of the 1990s, tattoo and piercing shops felt they didn’t need insurance. Permanent cosmetic technicians usually bought some level of insurance coverage, but tattooers and piercers rarely did. They felt “their work speaks for itself” and “no one will ever sue me.” Law suits and claims for art are essentially non-existent except in rare cases such as Chinese characters. Claims are about two things that a tattoo and pierc…

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    No one will sue me: I had them sign a release form.

    We hear this all day long in our insurance offices. Tattooist, piercers and permanent cosmetic professionals often think that by having the client sign a release form, they will not be sued. Wrong! The release form can help protect you in court.

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    The History of Fireworks

    On July 3, 1776 John Adams wrote the following to his wife after the Continental Congress proclaimed the American Colonies independent of England. Fireworks were associated with Independence Day prior to the signing of the Declaration.

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    Fireworks Claims and Lawsuits

    As Americans, we enjoy celebrating our nation’s freedom with friends, family and the tradition of fireworks on July 4th. The astounding truth is that many people are injured each year as a result of consumer fireworks accidents. The Consumer Products Safety Commission statistics show that an average of 7,500 people receives treatment due to fireworks related injuries using consumer grade fireworks.

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    Fireworks, Festivals, Tattoo Parlors and more.

    If you aren’t familiar with Professional Program Insurance Brokerage (PPIB) of Novato, CA, the company name will probably clue you in to the fact that they insure risks that are a little outside the box. Or way outside the box....

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    Susan Preston has been included in Insurance Business Americas Elite Women in Insurance Issue - 50 Women Who Have Made Their Mark

    Susan Preston is an innovator in crafting insurance programs for emerging industries. She’s designed coverage programs for businesses as diverse as medispas, laser centers, tattoo shops and medical marijuana centers. Preston has also worked with government bodies to develop regulations for tattooing, body piercing, permanent cosmetics and laser services, as well as co-founding the Society of Permanent Cosmetic Professionals, an organization that…

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    PPIB Volunteers at Marine Mammal Center

    This year Professional Program Insurance Brokerage (PPIB) volunteered at the Marine Mammal Center located in Sausalito, Calif., for the IICF’s Week of Giving.

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    Accidents Do Happen - Workers Comp Has Got You Covered

    Though you want the best for your employees, unfortunately, accidents do happen. That's where Workers Comp comes into play.

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    Professional Program Insurance Brokerage - Embracing the Unusual

    In our ever changing world, brokers have the option to either compete on price with every other broker out there, or seek out categories that are not overworked by the insurance industry. Professional Program Insurance Brokers (PPIB) has answers for brokers who want to market to exciting and unique industries with limited distribution channels.

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    Finding Your Niche - Specializing could drive greater success

    As 2013 winds down, the P&C business continues to deal with issues—many ongoing, some new. "Concurrent challenges for our industry include climate change, low investment yields, unstable economic conditions and regulatory uncertainty," says David Kaufman, president and CEO of The Motorists Insurance Group.

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    Many Insurance Professionals on Fantasy Island

    Many insurance industry professionals are living in a dream. Their fantasy is that the soft market is ending, but nothing could be further from the truth. As long as our economy stays weak, the soft market will continue.

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    PERMANENT COSMETICS


    PPIB Partners with the AAM to present Virtual Summit

    The AAM present the PMU Business Blueprint, Pt. 1 Virtual Summit Wednesday, Aug. 12th. The webinar featured PPIB’s Rashea Byars and Karen Torres. The program covered essential business items related to legal protection, filing taxes, and insurance claims. Watch the presentation on YouTube: https://youtu.be/FtKLE81jmq4

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    Damned if you do, Damned if you don't

    Recently we had an insured call and suggest we write an article on why a permanent makeup (PM) technician should give the client the exact look they want and not try to foist their own opinion and ideas of beauty on the client. The situation that arose was our insured PM technician felt that her client’s request for eyebrows was too radical and faddish. The person seeking the procedure was a woman under 30 who wanted her eyebrows to be a tren…

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    Bald Spot Repigmentation

    To many, balding is probably one of the most unfair cosmetic conditions inflicted upon humanity, and yet we have still not been able to develop a cost-effective solution for. However, that’s not what many Permanent Makeup Artists think. In fact, the trend of bald spot repigmentation (also known as scalp micropigmentation) became quite popular in 2013, when Matthew McConaughy came out about treating his own receding hairline. The story took off, w…

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    BEAUTY


    Salons - The New Normal

    Beauty professionals are working diligently to adapt their businesses and services to protect clients, employees, and themselves from COVID-19. Regulations vary depending on location; however, regardless of your situation, these are some strategies you can consider in addition to meeting the minimum requirements for reopening. If opening guidelines are not available in your area, these ideas may allow you a starting point for preparations.

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    Salon Owners FAQ During COVID-19

    The effect of the COVID-19 Crisis has been swift and relentless. As scary as it is for our health, it is also terrifying for many salon owners and other small businesses. Our salon insurance specialists want to share what information in an effort to help salon owners keep their businesses afloat during the COVID pandemic. Here are some frequently asked questions and answers.

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    The Beauty Newsletter Spring 2020

    There has been much talk in the media about independent contractors vs. employees. California passed a law in 2019 requiring businesses make most independent contractors into employees although it appears the beauty business is exempt from this new regulation. We at PPIB are not attorneys so it might be worthwhile checking with one if you have any questions on the applicability of the new law. This article is about the liability associated with b…

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    Salon Owners FAQ During COVID-19

    The effect of the COVID-19 Crisis has been swift and relentless. As scary as it is for our health, it is also terrifying for many salon owners and other small businesses. Our salon insurance specialists want to share what information we have to help salon owners can keep their businesses afloat during the COVID pandemic. Here are some of our most frequently asked questions and answers.

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    Does Your Salon Insurance Really Have You Covered?

    Your beauty salon insurance policy likely provides coverage for slip and fall accidents, theft, and fire. However, in our sue-happy society, standard beauty insurance coverage may not be enough to protect you and your company from the financial devastation of a lawsuit. Here are some additional beauty salon insurance options to consider.

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    Beauty Salon Insurance Claim – What to Expect

    What happens if you need to file a claim with your salon insurance company? Our beauty salon insurance agents spill so that you can get through the process without additional hassle. Check out these simple instructions and tips in case you ever need to file a claim.

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    Top Reasons Beauty Salons are Sued

    Just because your business is beauty doesn’t save you from the possibility of facing an ugly lawsuit at some point.

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    Business Insurance For Salons

    You've poured time, money, sweat, and love into your salon, yet despite your dedication, it's still vulnerable. No matter how hard you work, you cannot eliminate the possibility of a lawsuit, electrical fire, vandalism, or natural disaster. Adequate salon insurance is your best defense against the unknown, and the most reliable way you can protect your livelihood and those on your team.

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    Expect the Unexpected

    There seems to be a prevailing belief in the professional services world that if you are good at what you do, you don’t need insurance. You can be as careful as you possibly can, you can be excellent in your field, you can cross all of your T’s and dot all of your I’s, but you cannot account for Human Nature, nor Mother Nature.

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    Water and Other Slippery Slopes

    Day Spas in America are doing well. They are able to combine services and offer the busy woman or man more than one option for their beauty treatments. This industry has turned out to be somewhat recession proof as one of the last expenses people give up are services or products that make them feel better about themselves.

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    Eyes Wide Open - Nouvelle Esthetiques & Spa Magazine

    Whether you are from the era of Marilyn Monroe, Twiggy or Adele, it’s hard not to appreciate what amazing lashes can do not only for the eyes but the whole face. They are the easiest way to brighten a face and create a dramatic look even without makeup. The latest offerings in brow and lash extensions give such a natural look, it’s no wonder lash and brow bars are popping up all over the country...

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    Pop Quiz for Spa Owners

    Q1. Where is your business owners’ policy? Wait, don’t tell me! Let me guess. It’s in a file folder in a slightly dusty cabinet at the back of your office in the original envelope it came in.

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    CREMATION


    How do I know this is my loved one?

    In light of recent regulatory events, the consumer media is turning to all of us and asking the question that everyone in the cremation industry hears most often: How do I know this is my loved one?

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    MEDISPA


    “Skin Types in a Changing World”

    The United States is rapidly changing from the melting pot that it once was. Now it is much more like an organic, herbal infused smoothie in a blender. The ethnic mixing and multiple heritages that belong to each individual make it much more difficult to classify someone into one of six Fitzpatrick Skin Type categories.

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    Are You Covered?

    If you are switching from one claims made provider to another, you need Tail coverage. Following is a breakdown of the various types of coverage available to protect you, your staff and your facility in the event of a claim or catastrophe. When opening a private medical practice or medspa you should have at minimum: workers’ compensation, general and professional liability insurance...

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    Medispa Merchants The "Business" of Running a Medispa

    Doctors, nurses and spa owners all want to set up a Medispa these days. This has been a fashionable trend for many years now. Yet not everyone will achieve success. Competition will weed out the marginal players in this game and the well-run businesses will be the ones to survive.

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    Business Protocol & How to Avoid Problems

    Prior to the Procedure - the Initial Interview: Discuss any issues the client has with the procedure, including their fears. If at all possible, get some idea on what is going on in their lives as to major events that might make them living on the edge financially or emotionally.

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    Are you covered? Insurance is like Laser Hair Removal. No, really, it is!

    You've decided to get laser hair removal done. You first visit Spa A. Spa A promises to give you 6 treatments, all for the incredible price of $99 and the offer is only valid if you go have your first treatment done right this moment.

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    Will our Medi-Spa travels be better and healthier in 2016?

    Medical Spas, also called Medi-Spas, are a modern mix of the traditional day spa and medical clinics. These sanctuaries of health and wellbeing are sprouting up as the wellness society is investing more than ever into their health, mind and bodies.

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    The Golden Rule of Five

    Here are 5 things to look for in a good Spa experience. After an in-depth conversation with Susan Etter, the Underwriting Manager at Professional Program Insurance Brokerage (PPIB), we were able to gain professional insight on how you can truly make your Spa experience a pleasant one.

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    Medispas - More Accounts Expected

    Carriers will ask more questions during the underwriting process for medispas and require a review of certificates of training – with specific hours completed – as they move to curtail losses in the segment. Laser hair removal remains the top procedure generating claims, especially with a corresponding rise in demand for this service.

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    Cellulite, Stretch Marks and Flab, Oh My!

    Twelve years ago, while pregnant with my first son, I was ecstatic! At 9 months along, my stomach was as smooth as ever. Regular walking and slathering myself with cocoa butter lotion, convinced me that I was my own skin guru.

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    Useful suggestions for new Medispa Owners

    It seems that more and more doctors, nurses, and spa owners are interested in setting up medical spas these days. Yet, as with any up-and-coming industry, not everyone will achieve success.

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    Susan Etter speaks at the 12th Annual Professional Hair Removal Conference (PHRC)

    Senior Underwriter, and Underwriter Manager Susan Etter spoke at the 12th Annual Professional Hair Removal Conference (PHRC), in Miami Beach, Florida on April 5, 2014.

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    E-CIG PRODUCTS


    Unique Insurance Needs of Smoke Shops

    Professional Program Insurance Brokerage (PPIB) is another specialty insurance company that offers specialty coverage for smoke shops, vape shops, hookah lounges, and tobacco shops. PPIB understands the unique needs of alternative businesses as they were founded in 1993 to insure the tattoo industry.

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    TATTOO/BODY PIERCING


    First Hand Facts on Fainting

    My "virgin husband" finally determined he was ready to venture out and get his first tattoo. Having no time in our normal lives we decided the best time to get one would be on the last day of our Hawaii vacation on the big island of Hawaii.

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    PPIB Honored as Top Specialist Broker for Tattoo / Body Piercing by Insurance Business Magazine (IBA)

    Professional Program Insurance Brokerage of Novato CA is pleased to announce that Joanna Rogers and Khanh Le were promoted to Underwriters as of January 1, 2017.

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    What Happens in Vegas… Should Probably Involve Tattoo Insurance

    Did you go to the Biggest Tattoo Show On Earth last month in Las Vegas? If so have you sobered up yet? Or figured out who gave you the tattoo of Steve Buscemi as the Virgin Mary?

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    Workers Compensation and your Tattoo Shop

    Though you want the best for your employees, unfortunately, accidents do happen. That's where Workers Comp comes into play.

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    Workers Compensation for Tattooers

    Tattoo artists on TV have not just shone a spotlight on the artistry within the industry but also some of its business practices. Putting on a pretty tattoo, pocketing the cash for it, and staying under the government radar doesn't work any more, at least not for very long, and especially not for those with sizable client lists.

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    Tattoo Insurance - Are You Covered?

    Tattoo Shops and Tattoo Artists deal with bodies, blood, skin, sweat, occasionally tears, personalities, customer demands and stiff competition on a daily basis. In a booming industry that specializes in temporarily wounding and permanently marking a body what could possibly go wrong? Ummm a lot.

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    I Have a Pretty Simple Answer - Insurance

    I've been asked, a number of times, by tattooers what the best defense is to those frivolous law suits against tattoo studios, which are exponentially being filed, especially now that people think that tattoo artists have deep pockets.

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    On the Funky Side

    Funky, that is unusual, risks usually require specialty excess and surplus, non-admitted insurance coverage

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    Tattoo Program mentioned by President Bill Clinton during his Target Markets Key Note Address

    In a successful effort to tie his Baltimore speech to what Target Market members do, President Clinton visited the Target Programs website.

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    MEDICAL DIRECTOR


    Medical Directors - On the Rise

    Look for Lloyd’s of London to be among the largest writers of standalone medical director coverage under two separate programs. With Lloyd’s backing, PPIB is looking into if and how it might cover medical directors working for telemedicine

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