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Overview of the Program From Citadel Insurance Services Citadel Insurance Services’ Life Science Insurance program (BioPAC) is a specialty wholesale product built for companies across the life sciences spectrum — from preclinical startups to large, established manufacturers. The program is designed to be flexible and scalable so you can place accounts with complex product, clinical trial and biomanufacturing exposures that standard markets may decline or limit. Ideal Accounts and Appetite This program targets a broad set of life science risks. Typical accounts that fit well include: Medical device manufacturers and medical device software companies Pharmaceutical and biologic developers (including drug discovery and bio-engineering) Medical foods, cosmetic drug companies and non-medical biotechnology firms Life science product development services and product testing laboratories For-profit and non-profit research institutions Medical product distributors and contract research/contract manufacturing organizations Coverage Highlights and Advantages BioPAC offers a modular set of coverages and endorsements to match specialized exposures common in life sciences: General and product liability tailored for biological agents and medical devices Clinical trials liability and clinical trials medical expense coverage Professional liability options for researchers, labs and developers Data breach expense and data breach economic liability extensions for software and device data Voluntary products recall and designated products coverage Abuse & molestation and punitive damages where allowable by law (subject to underwriting) Flexible extended reporting and circumstance reporting options These coverages make the program practical for accounts that combine product, clinical and cyber exposures or that require broader testing and recall protection. Underwriting Notes and Submission Requirements Citadel underwrites this program through wholesale placement. Underwriters expect clear documentation of product lifecycle, clinical trial protocols (where applicable), quality control procedures, and distribution channels. Provide: Summary of operations and product descriptions Clinical trial protocols, enrollment size and safety monitoring when applicable Regulatory status (e.g., FDA filings, CE marks) and quality management systems Claims history and prior disciplinary or product recall history Minimum premium information varies by risk and market placement — contact Citadel for program-specific minimums and quotation turnaround. Territories and Admitted Status The program is available across a broad set of U.S. jurisdictions, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Note: This program is placed on a non-admitted/surplus lines basis (no admitted filings). Confirm surplus lines requirements and tax/filing procedures for the insured’s domiciliary state before submission. Why Work With Citadel Insurance Services on Life Science Business As a specialty wholesale broker, Citadel offers tailored placement expertise for complex life science exposures and access to markets that understand product, clinical and cyber overlaps. Underwriters are experienced with research institutions, contract labs and product manufacturers, enabling pragmatic solutions where standard markets may restrict coverage or capacity. Example Account Scenarios You have a start-up developing a novel implantable medical device with upcoming first-in-human trials. BioPAC can combine clinical trials coverage with product liability and cyber extensions for device software. You represent a contract testing laboratory that handles biologic samples and provides analytical services to multiple sponsors. The program can provide laboratory liability, biological agents liability and professional liability in a single placement. Frequently Asked Questions What types of life science accounts are the best fit for this program?The program fits medical device and device software firms, drug and biologic developers, product testing labs, research institutions and service organizations that need combined product, clinical and cyber coverages. Is this an admitted program and in which states is it available?BioPAC is placed on a non-admitted/surplus lines basis. It is available in the listed states (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY). Confirm surplus lines requirements for the insured’s domicile before submission. What documentation does Citadel require for submission?Provide a clear operations summary, product descriptions, clinical trial protocols (if applicable), regulatory and quality control documentation, and recent loss history. More detailed checklists are available from Citadel upon indication of interest. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

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At Worldwide Facilities, our dedicated NutraRisk team specializes in the unique exposures of the life sciences and nutraceutical markets. We offer targeted insurance solutions for manufacturers, distributors, researchers and service providers—helping retail brokers place appropriate coverage for clients ranging from early-stage startups to established enterprises. With deep industry knowledge and broad market access, NutraRisk streamlines placement for complex product and clinical risks. Ideal Accounts and Appetite The Nutraceuticals & Life Science Insurance program is intended for businesses involved in product development, manufacturing, research, testing and distribution across the life sciences spectrum. Typical classes we write include: Dietary supplements and vitamin manufacturers Energy drinks, bars and functional beverages Herbal and botanical products Cosmetics and personal care goods Pharmaceutical and biotechnology firms Clinical trial sponsors and contractors Medical centers, research institutions and universities Pet health and animal supplement products Raw material suppliers and ingredient manufacturers Bedroom and wellness product manufacturers Our appetite covers both emerging ventures and mature businesses. You might place a client launching an herbal supplement line, a contract manufacturer supporting multiple brands, or a biotech startup preparing for first-in-human studies. Coverage Highlights and Advantages Worldwide Facilities offers flexible, industry-focused terms to address the product and clinical liability exposures common in life sciences. Key coverage components include: Commercial General Liability — available on claims-made or occurrence forms Products Liability, including Products/Completed Operations Discontinued Products coverage Clinical Trials Liability for sponsors and clinical service providers Product Recall Expense (through semi-exclusive markets) Mergers & Acquisitions liability options Extended Reporting Periods and programs designed for new ventures Additional program features: Primary limits from $1M to $10M Excess capacity up to $100M Blanket broad form vendors coverage where appropriate Miscellaneous E&O and aggregated deductible options Hired & Non-Owned Auto and worldwide coverage territory available Underwriting Notes We place business with a range of admitted and non-admitted carriers depending on the risk profile and jurisdiction. Worldwide Facilities’ underwriters are experienced with complex exposures and can assist with hard-to-place accounts, prior loss experience, and novel product formulations. Minimums and program eligibility vary by class—underwriters will evaluate formulation, manufacturing controls, labeling, quality assurance, distribution channels and claims history when considering terms. Territories and Availability The program is available nationwide — all 50 states and Washington, D.C. — with the carrier flexibility to write in states that have more nuanced regulatory requirements. Why Work With Worldwide Facilities? As a Managing General Agency and Excess & Surplus Lines broker, Worldwide Facilities couples underwriting expertise with market access. Our NutraRisk division focuses exclusively on life sciences and nutraceutical risks, giving retail brokers a dedicated partner for placement, policy servicing and claim navigation. We support new ventures as well as established firms and can help position accounts to secure broader capacity, specialized endorsements, or recall solutions when needed. Learn more and submit applications at nutrarisk.com. Get in touch! Contact us here: nutrarisk.com/contact Frequently Asked Questions What types of accounts are a good fit for this program?This program targets dietary supplement manufacturers, biotech firms, clinical trial sponsors, pet product companies, contract manufacturers, and other life science businesses with product or clinical liability exposure. Can you help with startup or new venture risks?Yes. We offer tailored programs for new ventures entering the life sciences or nutraceutical markets, including guidance on product controls and placement options for first-time manufacturers. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C., though specific terms may vary by jurisdiction and carrier. What coverage limits are available?Primary limits generally range from $1 million to $10 million, with excess capacity available up to $100 million, depending on the account and carrier appetite. Do you offer product recall coverage?Yes. Product recall expense coverage is available through semi-exclusive markets as part of the program—availability depends on the product class and underwriting review. Need help placing an account? Connect with a market specialist.