Knowledge Center
Straight answers for the people who place it.
Guides for agencies and wholesalers on moving accounts, explaining coverage and preparing files that move quickly through underwriting.
Producer guide
How to move a medspa client mid-term without a coverage gap
Most practices are not shopping at renewal. They call when a premium jumps, a carrier will not endorse a new service, or a landlord asks for higher limits. You can move them mid-term without leaving a hole in their coverage if you handle three things in order.
1. Match the dates
Set the Juno effective date to the same day the prior policy cancels. A single day between policies is a day the practice is uninsured for new claims.
2. Protect the retroactive date
Claims-made coverage only responds to work done on or after the retroactive date. Ask for prior acts coverage so the new policy carries the practice's existing retroactive date forward. This is subject to underwriting, so collect the current declarations page and loss runs before you submit.
3. Cancel the old policy cleanly
Have the insured request cancellation in writing, effective the same day the Juno policy starts, and confirm whether the prior carrier returns premium pro rata or short rate. If prior acts are in place, the practice does not need to buy tail coverage from the old carrier.
On Juno
- Quote today and set the effective date to match the cancellation.
- Upload the prior declarations page with the submission.
- The client signs electronically and the binder issues in the platform.
Underwriting
Peptides and liability: what is covered and why
Peptide therapy is one of the most common questions partners bring us, and one of the easiest places to make a promise the policy will not keep. Juno handles it with a rule, not a product list.
The rule
- Peptides are covered when administered by subcutaneous, intramuscular, oral, nasal or 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.
Why a rule instead of a list
Peptide menus change month to month. A list is out of date the day it is printed, and it invites the claim that anything on it is covered no matter how it is given or sourced. A route and sourcing rule follows the practice as its menu changes.
What to tell your client
Never tell a client that all peptides are covered. Share the rule, confirm the routes they use and where their product comes from, and keep verifying regulatory status with the practice, where it belongs.
State law
Supervision and delegation: what underwriting asks
Who may inject, who must supervise, and how a medical director is engaged all vary by state and by license type. Those rules shape the risk, so underwriting asks about them on every file.
What underwriting looks at
- Each provider's license type and whether the service is within scope in that state.
- The medical director or supervising physician arrangement, and how oversight works day to day.
- Whether services are delegated, and to whom.
- For mobile practices, every state where services are delivered.
How to prepare the file
List every service on the menu next to the license of the person who performs it, and describe the medical director arrangement in a sentence or two. Clean answers here are the fastest way to an instant quote or a quick underwriter decision.
State guides for partners
Appointed partners get state-by-state guides on supervision, delegation and scope inside the Juno portal. See what the guides cover.