Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures IV hydration clinics?

IV hydration clinics is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write IV hydration clinics: Professional Program Insurance Brokerage (PPIB), CM&F Group. 2 program administrators.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Professional Program Insurance Brokerage (PPIB)
Program administrator		IV Therapy program for IV therapy businesses, including one-person mobile operations; IV Therapy also listed under its medispa services; coverage offered nationwide.
“Our IV Therapy Insurance policies offer comprehensive coverage to fill the gaps left by other policies”		nationwide (all states)not statedppibcorp.com · read 2026-10-28
CM&F Group
Program administrator		Group malpractice (professional liability) for IV hydration businesses covering advanced practice providers and allied health professionals, with workplace liability included; CM&F says it developed national programs it writes in all 50 states.
“CM&F IV hydration group malpractice insurance protects you and your employees”		not stated on this page (about page: all 50 states)not statedcmfgroup.com · read 2026-10-28

CM&F describes itself as a brokerage (division of Specialty Program Group) that developed its own national programs; carrier not named (A++ A.M. Best rated). No IV hydration wording on Admiral medical spas, Kinsale allied health, Beazley misc medical, James River allied healthcare, HPSO/NSO aesthetics, Coverys, MedPro, Marine Agency or Berxi pages.

How IV hydration clinics gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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