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...Brokerage (PPIB) offers: Labs and Clinics Insurance. PPIB’s Labs and Clinics Insurance program delivers specializ... this program available?The Labs and Clinics Insurance program is available in...

CoverXSpecialty’s Life Sciences Insurance program is designed for agents placing product, professional and general liability for manufacturers, clinical sponsors, contract organizations and other life-science operations. This market focuses on science-driven exposures — pharmaceuticals, biologics, medical devices, contract manufacturers, CROs, clinical trial sponsors, durable medical equipment and dietary supplements — and offers tailored forms, capacity and underwriting for those risks. Overview of the Program As a general agency and carrier program, CoverXSpecialty provides a focused Life Sciences Insurance solution that balances industry knowledge with flexible placement options. The program provides both primary and excess limits (capacity up to $5,000,000) and makes available product/completed operations, professional liability and general liability coverage appropriate to manufacturing, research, clinical and distribution operations. Ideal Accounts and Appetite Target risk size: Accounts up to $1 billion in revenue; start-ups and early commercial companies are acceptable when supported by strong risk management and regulatory controls. Target classes include: Pharmaceuticals (including biologics) Contract manufacturers Generics (prescription and OTC) Clinical trial sponsors and investigators Contract research organizations (CROs) Durable medical equipment suppliers Medical devices (FDA Class I and II) Dietary supplement manufacturers and distributors Typical fits are clients with documented quality systems, clear supply chains, and well-defined clinical or manufacturing protocols. Accounts with complex global distribution, significant recall history, or high-risk Class III devices may require specialized placement and are reviewed on a case-by-case basis. Coverage Highlights and Advantages Capacity: up to $5,000,000 available for primary or excess policy limits. Coverage forms: Products/Completed Operations and Professional and General Liability; products and professional coverage usually written on a claims-made basis while other general liability coverages are provided on an occurrence basis. Defense provisions: Defense within the limit for claims-made coverages; defense in addition to the limit for occurrence coverages. Contractor/vendor features: Automatic Additional Insured status for life science contractors, sites, investigators and vendors where appropriate. Underwriting experience: Underwriters familiar with FDA-regulated products, clinical trial exposures and GMP/GCP risk controls. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, regulatory status, quality systems, distribution channels, clinical trial protocols and loss history. Required submission items often include completed applications, current loss runs, regulatory/clearance documentation (e.g., FDA status), product lists and descriptions of manufacturing controls or trial oversight procedures. Minimum premiums and terms vary by account and carrier — submit for quote to get state-specific pricing and eligibility. Territories and Admitted Status Program availability: 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, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: No States. Coverage is generally placed on a non-admitted/surplus lines basis; confirm state eligibility and filing requirements at submission. Why Place Life Sciences Business with CoverXSpecialty CoverXSpecialty combines specialized underwriting expertise in life sciences with programmatic flexibility for both start-ups and established manufacturers. Agents benefit from access to tailored forms, automatic additional insured language for contractors and targeted capacity up to $5M. Underwriters understand clinical and regulatory exposures, which speeds accurate risk assessment and improves quote quality. Example scenarios you might place here: a mid-sized contract manufacturer seeking primary products liability and professional liability for contract sterile fills; a CRO sponsoring multi-site clinical trials needing limits for investigator and vendor exposures; or a small medical device company with Class II devices requiring product liability and recall-response underwriting. Submission Tips Provide complete applications and recent loss runs (minimum 5 years if available). Include product descriptions, FDA or regulatory status, manufacturing/quality procedures and distribution territories. For clinical trials, include study protocol overview, investigator qualifications and monitoring procedures. Flag any prior recalls, regulatory actions or product liability claims up front to avoid delays. Frequently Asked Questions What types of accounts are a good fit for CoverXSpecialty’s Life Sciences program?Accounts with pharmaceutical, biologic, device, CRO, clinical trial sponsor or contract manufacturing exposures are a good fit, especially when they can demonstrate quality systems, regulatory oversight and clear distribution channels. The program accepts start-ups through larger companies (up to $1B revenue). What limits and coverage forms are available?CoverXSpecialty offers up to $5,000,000 in primary or excess limits. Products and professional liability are typically provided on a claims-made basis; other general liability coverages are provided on an occurrence basis. Defense is within the limit for claims-made and in addition to the limit for occurrence coverages. Is this program admitted in all states?The program’s admitted status is listed as “No States,” so placements are generally non-admitted/surplus lines. Availability is shown for specific states; confirm state eligibility and filing requirements at submission. What information does underwriting need for an efficient quote?Provide completed applications, recent loss runs, product lists, regulatory/FDA status, manufacturing or clinical protocols, quality control processes and details on distribution. Early disclosure of recalls or regulatory actions helps speed the review. How long does a typical quote turnaround take?Turnaround varies by complexity but simple, well-documented submissions often receive an initial response within 7–14 business days. Complex manufacturing or international distribution risks may take longer. Need help placing an account? Connect with a market specialist.

...ied Nurse Anesthetists Dental clinics Diagnostic imaging and X-ray clinics Dialysis centers Drug & alco...labs, medical spas, physical therapy clinics, nurse registries, and similar al...

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...tors, Optometrists, Opticians Clinics, Medical Clinics and Labs, Diagnostic Imaging Labs, X...l liability needs — examples include clinics, diagnostic labs, home health age...

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Cutting-Edge Clinical Programs Working with one of the industry’s leading PBMs means our plans have many choices when it comes to engaging participants and keeping them healthy. We have a diverse membership and do not believe that one size fits all. Some of our plans want turnkey solutions based on plans’ best practices. Others want a fully-customizable package of programs. Some plans are looking for low-cost, low-disruption tools while others seek more aggressive programs with a bigger return on investment. Not only do we have the expertise to help plans with these important decisions, but our purchasing power gives our plans access to a comprehensive suite of effective, complimentary programs we have negotiated as part of our PBM contract. The coalition also provides resources to members to fund enhanced clinical initiatives with the return on our investment going straight to the member. We also make it easy for plans to understand their different options, as our in-house pharmacist and dedicated Caremark team are here to help plans choose a clinical package that meets their objectives. Our focus on adding value to our clinical services begins upon implementation and keeps getting better once members join. Ongoing reporting and analytics plus our consultative supports services allows us to help reevaluate clinical offerings if goals are not met. Working in a dynamic industry means we are always looking for ways to improve our programs to stay on the cutting edge. This commitment to customer service is one of the main reasons our coalition rarely loses a member and continues to grow.

Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers. Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity. Ideal Accounts and Appetite This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include: Skilled nursing/nursing homes (licensed) Assisted living and independent living communities Continuing care retirement communities (CCRCs) Home health providers and adult day care centers Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission. Coverage Highlights and Advantages IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include: Program access to Trinity Risk Solutions RRG and New York Healthcare RRG Wholesale brokerage for primary and excess P&C placements, including workers’ compensation Integrated risk management services that help reduce severity and frequency of claims 24-hour risk management hotline and online incident reporting Risk Management Services IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs. Regulatory compliance assistance Accident investigation training and incident investigation assistance 24-Hour risk management hotline and online incident reporting Mock surveys, plan of correction assistance and clinical case reviews Employee programs: limited lift programs, essential functions testing, drug testing and background check policies Supervisors/leadership development and wellness consulting Underwriting Notes and Minimum Premium Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure. Territories and Availability Available in the following 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. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance. Why Work With IPMG on Senior Care Business Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options. Example Placement Scenarios You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms. WE'VE GOT YOU COVERED! Frequently Asked Questions What types of senior care accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent living communities, CCRCs, home health agencies and adult day care providers with documented clinical processes and experienced management are the best fits. Not-for-profit providers may be eligible for Trinity Risk Solutions RRG capacity. What submissions does underwriting typically require?Underwriters generally expect a completed application, recent loss runs, proof of licensure, and information on risk management practices. Specific requirements vary by market and program—contact IPMG underwriting for a targeted checklist. Is risk management included with placements through IPMG?IPMG provides dedicated risk management services—clinical reviews, mock surveys, hotline support and training—which are integral to our senior care solutions and can be offered as part of the placement or as a separate service to help reduce exposures. Need help placing an account? Connect with a market specialist.

... in the following classes: Clinics and outpatient centers Laborator...are program?The program is ideal for clinics, labs, medical spas, home health ...