Appetite guide
What Juno writes, how each risk routes, and what stays out.
A working guide for agencies and wholesalers sizing up a medical aesthetics, wellness or anesthesia risk. Rating and pricing are shared with appointed partners.
Paper
Lloyd's of London, rated A
Basis
Surplus lines, claims-made
States
All except Kansas and Wisconsin
Medical director
Included on every program
Turnaround
Instant digital pre-underwriting for eligible risks; 24 to 48 business hours for full review
Target classes
Every account is individually underwritten. "Open" classes quote instantly when eligible; "Underwriter review" classes are answered within 24 to 48 business hours.
| Class | Eligible operations | Routes to | Appetite |
|---|---|---|---|
| Medical spas and aesthetics | Neurotoxins, dermal fillers, microneedling, chemical peels | Starter, Advanced, Elite | Open |
| IV therapy and hydration | IV hydration and vitamin infusions, IM vitamin injections, IV lounges | Starter, Advanced, Elite | Open |
| Peptides and longevity | Peptide therapy by subcutaneous, IM, oral, nasal or topical route | Starter, Advanced, Elite | Open |
| Medical weight loss | Weight loss programs with provider oversight | Starter, Advanced, Elite | Open |
| Wellness and body treatments | Massage, body treatments, wellness and nutrition programs, electrolysis, waxing | Starter, Advanced, Elite | Open |
| Mobile providers | 100% mobile practices: in-home, office and event services | Juno Mobile | Open |
| Larger practices | Practices above the program's revenue threshold | Juno Exclusive | Underwriter review |
| Level 4 services | Thread lifts and other level 4 procedures by qualified providers | Juno Specialty | Underwriter review |
| Anesthesia | Individual CRNAs, anesthesia groups and staffing agencies | Juno Anesthesia | Underwriter review |
| Level 5 and above | Urgent care, primary care and higher-level medical services | Juno Concierge | Placement desk |
Practices that combine classes are written on one policy. The routing engine places the account by its highest-level service.
Routing rules
How the platform places a submission
- 01State. Kansas and Wisconsin route to Concierge.
- 02Highest-level service. Level 5 goes to Concierge, level 4 to Specialty, anesthesia to the anesthesia program.
- 03Setting. 100% mobile practices go to Juno Mobile.
- 04Size. Practices above the revenue threshold go to Exclusive.
- 05Limit tier. Everything else quotes on Starter, Advanced or Elite, chosen by the client.
Peptide rule
- Covered by subcutaneous, intramuscular, oral, nasal and topical routes.
- IV administration of peptides is not covered.
- Product must come from an FDA-registered manufacturer, a 503A compounding pharmacy or a 503B outsourcing facility.
- The application asks whether peptides are offered. It does not track a product list.
Outside the program
- Practices domiciled in Kansas or Wisconsin
- IV administration of peptides
- Level 5 and above services, including urgent care and primary care
Send these anyway. Juno Concierge looks for a market so your client is not left without one.
What underwriting looks at
Services and setting
What is performed, where, and how much is mobile.
Provider licensure
Who performs each service, and their license and scope in the state.
Medical director
Who provides oversight. Their coverage is included.
Revenue
Decides whether the account rates on the core tiers or as Exclusive.
Claims history
Prior claims and incidents, reported in the application.