FREQUENTLY ASKED QUESTIONS
How much will my insurance cost?
We offer competitive & affordable premiums with coverage backed by multiple Insurance Carriers – however, pricing cannot be determined until our Underwriting Department has reviewed a completed application.
How do I get a quote? How long does it take to get a quote?
We need a completed application returned to provide pricing and requirements. The normal turnaround time for a quotation is 2-3 business days. If you need a quote sooner, call our office once you submit the application, to confirm we have received it, and to let us know it is urgent.
What limits of insurance do I need?
Protecting your assets can require different limits. Consider what you have to lose in the event of a lawsuit being filed against you or your business. This may depend on if you have a lease you need to comply with. The most requested limit is $1,000,000.
Why am I charged a tax?
We write insurance through “Surplus Lines Carriers”. Each state requires we file taxes for each policy.
What is a Broker Fee?
This is our service fee for handling the account and issuing the policy.
Do I need to have General Liability if the business I rent space from already has this coverage?
Definitely. The General Liability policy of the business you rent space from most likely covers only their operations and clients coming into to their business. You are a separate entity since you rent a space from another business. Insurance provides peace of mind with coverage for incidents involving your clients.
Why are you requiring me to sign a State Form?
This form is telling you that the insurance companies we write with have to follow different guidelines than what your state requires. If they were to go bankrupt, your state wouldn’t pay your claims. We are required by law to tell you this. However, our carriers are A rated and are some of the most stable companies on the globe.
Where should I submit my completed application?
Once you have completed the application, scan or take high quality pictures with a smart phone and email to email@example.com, fax to (415) 475-4303 or mail the application to 1304 Southpoint Blvd., Suite 101, Petaluma, CA 94954.
Can I use a digital signature on my application and state forms?
We can accept digital signatures on the applications and state forms.
Do you offer payment plans?
If your premium exceeds $1,000, we offer payment plans through an outside finance company. This would consist of 9 monthly payments and be subject to an interest rate. A down payment is required for 35% of the total. Payments can be set up as automatic bank withdrawals.
I am an Independent Contractor, should I purchase my own policy?
Purchasing your own policy gives you the flexibility to have coverage follow you wherever you go and you control the process.
Should my technicians obtain their own policy, or should I cover them under the business policy?
We can do it both ways. It’s more a business decision that depends on whether they are your employees or if they are independent contractors. If they are your employees, you should have them covered under your policy. If you have independent contractors, it will depend on what you work out with them. If you cover them on your policy, you are assured of coverage and do not have to spend time making sure they have the right type of insurance and getting proof of coverage certificates.
Is coverage available if I have guest artists/piercers?
We can extend coverage to guest artists/piercers as long they have at least one year experience and do not stay more than 30 days. When you put a guest artist/piercer on the schedule, simply give us a call before they start and we can add that person to your policy for a pro-rated premium. If you plan to have many guest artists/piercers in your shop through the year, you may benefit from our revolving Blanket guest artist/piercer slot. This makes sense if: A) there is only one guest artist/piercer at a time and B) the artist/piercer does not stay more than 30 days and C) the artist/piercer has at least a year experience. This low cost options means you do not have to call us every time someone comes and goes. Only requirement is you keep records of the guest artist/piercer’s name and when they were working at your shop in case of a claim.
Do you cover Microblading?
Microblading is part of our Permanent Makeup program. A certificate of training including the amount of hours of instruction is required.
What if I have insurance but it does not cover Permanent Cosmetics or Microblading?
If desired, we can offer you a standalone policy for microblading and/or permanent makeup.
Can I add more services to my policy as I grow my business?
Yes, at any time during your policy term, you can contact Customer Service and request an endorsement. Additional forms and/ payment may be required.
What if I repackage products and resell them under my private label?
By putting your name on a product, the liability to you is increased because people normally sue the name on the product if something goes wrong. Coverage can be added for this - contact us to discuss Private Label Products. It requires an application showing products being sold and estimated income for product sales.
Can you assist me to make sure I am following all local or state licensing requirements?
It is up to each person practicing to know what professional license is required and what city, county and state licensing requirements are. Since we write in all 51 jurisdictions in the US, and we offer many professional programs, it is physically impossible for us to keep up with all the legal requirements. Usually the state licensing board can help you out with this.
How long should I keep my completed Client Consent Forms?
Check your state as to what the statute of limitations are for your service. Statutes of limitations are usually a minimum of 2 years with some states going to 6 or more years.
I already have General Liability for my Crematory, what is the difference between Professional Liability and General Liability?
Both are for incidents when a Third Party sues your business. Professional Liability is when you are performing professional services such as Choice of Method to use for each Deceased Human Body or the Identification of Remains. These may not be covered by most General Liability policies. General Liability is for Bodily Injury/Damage to Property of Others (Slip/Fall) incidents which occur on the Premises.
Am I required to be a member of CANA to get this coverage?
CANA has worked with PPIB to develop a unique program for the cremation industry. We are not aware of any similar coverage anywhere since this was designed for the needs of CANA members. Membership in CANA is required to purchase this special coverage.
Can I keep my current insurance agent?
Your agent can administer this plan, or you can purchase this policy directly from PPIB. CANA is not an insurance provider or insurance agent.
How do I apply for cremation insurance?
Get a quote by starting an application. Get more answers and support during the application by contacting Greg Carl: firstname.lastname@example.org or 415-475-4300.
Do I need to complete an application when I am renewing my policy?
Yes, our contract with the insurance carriers requires us to receive a completed application with a fresh signature/date at every renewal. This also helps us confirm if you need any changes to your policy that were not done throughout your current policy. We like to evaluate each client by obtaining accurate information to provide a customized product to protect their business every year.
Do I need to complete the property section of the application requesting the details of the building I lease? Such as year built and year of building updates?
If you are requesting property coverage for your business personal property, then yes. If the building is more than 20 years old, the insurance carrier requires the most recent updates to the plumbing/wiring/roof/HVAC of the building rented or leased by you and your business. This may require a conversation with your landlord. If the information is unavailable, we can send out an inspector for an additional inspection fee.
If I cancel my policy, will I get any money back?
Upon receipt of a completed, signed/dated Cancellation Form, our accounting department will calculate any unearned premium. This is set down by policy terms.
Do I need to be appointed to get a quote?
No, we can offer you a quote without you being officially appointed, but we will need to have you appointed in order to bind. To become appointed, will need a copy of the Agency’s license, copy of the declarations page of the Agency’s E&O policy and the completed, signed and dated Broker application.
What is needed to bind a quotation?
The ‘Binding Requirements’ section of the quote letter outlines what is needed in order to bind coverage.
Can we file our own taxes?
Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes in certain states.
Do I need to complete the entire Medispa Application?
The first page, history section and signature and date section must be completed. All other sections only need to be completed if they are applicable to your business. If they are not applicable to your business you can indicate this by checking the box in the upper right side of the section where it states, “If this section does not apply, check here.”
Am I required to provide proof of training?
We require proof of training for many of the medispa service if technicians have less than 1 year experience. We will request the certificate of training as well as confirmation on the hours of training completed, if less than 1 year experience.
Do I have to use consent and/or medical history or intake forms?
The use of consent and medical history/intake forms are required for any Permanent Makeup Services, Light/Energy Services, Injectable Services, Wellness Professional Services, Cryotherapy Services and Invasive Services listed on the application. We can provide preapproved forms for these services if you do not have your own. If you wish to use forms you have created we will require you to provide our office with a copy for review.