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Dietary Supplement / Nutraceutical Liability...rers, importers, and distributors of dietary supplements, herbal products, cosmetics, an...

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Contractors Pollution Liability Insurance From Citadel Insurance Services Citadel Insurance Services offers a specialized Contractors Pollution Liability (CPL) insurance program designed to help agents and brokers place coverage for contractors facing environmental exposures. Many contractors are unaware that standard commercial general liability (CGL) policies often exclude or severely limit coverage for pollution-related incidents. Our CPL program bridges that gap, providing protection against a wide range of environmental liabilities that can arise during construction and remediation operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of contractor types, including: General Contractors – Commercial, residential, municipal, infrastructure, highway/road, mechanical, demolition, excavation & grading Trade Contractors – HVAC, concrete, paving, carpentry, and similar specialties Specialty Contractors – Including drillers, pipeline and tank installers, and foundation contractors Environmental Contractors – Including remediation and cleanup specialists If you work with contractors involved in soil work, chemical applications, fuel storage, or utility and pipeline installation, this program is built to address their unique risks. For example, you may have a client working on a municipal sewer replacement project—our CPL solution can help protect them from exposures related to accidental releases or spills during excavation. Coverage Highlights and Advantages Protects against third-party claims arising from pollution conditions caused by the insured’s operations Covers sudden and gradual pollution events Can include coverage for transportation of hazardous materials and non-owned disposal sites Fills coverage gaps left by pollution exclusions in standard GL policies Whether your client is managing fuel tanks on-site, transporting contaminated soil, or working near sensitive areas, CPL coverage helps protect against costly claims and regulatory issues. Underwriting Notes and Minimum Premium This is a non-admitted program available through Citadel Insurance Services. We work with a strong lineup of carriers including Starr, Crum, Scottsdale, AIG, Arch, ACE, and Liberty. The minimum premium for most accounts starts at $2,500. We review each submission carefully, with attention to project types, environmental exposures, and safety practices. Territories and Availability CPL coverage is available in most states, including but not limited to CA, TX, FL, NY, IL, WA, and NJ. We currently offer this program 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. Why Work With Citadel Insurance Services? As a wholesale broker, Citadel Insurance Services delivers access to top-tier environmental carriers and decades of experience in placing pollution liability coverage. We understand the nuances of contractor operations and have built a program that’s flexible, responsive, and tailored to your clients’ real-world risks. Our underwriting team is ready to help you place tough environmental accounts efficiently and competitively. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, trade, specialty, and environmental contractors—especially those involved in excavation, fuel or chemical handling, and pipeline or tank installation. Is this program available on an admitted basis?No, this is a non-admitted program. It is written through top-rated carriers that specialize in environmental risks. What is the minimum premium for this coverage?The minimum premium typically starts at $2,500, but may vary depending on the size and complexity of the account. Can this program cover transportation and disposal exposures?Yes, coverage can include transportation of hazardous materials and liability related to non-owned disposal sites, depending on the policy terms. In which states is this program available?The CPL program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for current availability. Need help placing an account? Connect with a market specialist.

Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available in the following jurisdictions: 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

Comprehensive Healthcare Insurance Solutions from Citadel Insurance Services Citadel Insurance Services is a wholesale broker offering the HealthPAC healthcare insurance program built to meet the complex needs of healthcare providers. Whether you are placing a small assisted living facility or a large regional hospital system, Citadel provides competitive placement options, flexible limits, and underwriting tailored to healthcare exposures. Ideal Accounts and Target Classes This program has a broad appetite for long-term care and healthcare facility risks. It is a practical option for agents and brokers seeking market access for a wide range of accounts, including: Long-term care facilities Skilled nursing homes Adult day care centers Assisted living communities Independent living facilities Hospice care providers The program can handle both single-site operations and multi-site adult care networks, and is positioned to underwrite rural standalone hospices as well as urban long-term care campuses. Coverage Highlights and Advantages HealthPAC is designed to address exposures common to healthcare providers and long-term care operators. Key coverages and features often available include: Professional liability and medical practitioner liability Sexual misconduct and physical abuse liability Contractual liability and tenants' liability General liability and employee benefits liability Non-owned and hired auto liability Commercial property and business interruption Cyber-related liability for computer virus and hacking events Loss mitigation costs and medical expenses coverage Court attendance costs and brand protection coverage Indemnity to mortgagees, landlords, or lessors of leased equipment Underwriting Guidelines and Premium Details Citadel offers flexible limits and deductible options to fit each risk profile: Limits of liability commonly available from $1,000,000 to $5,000,000 per claim, depending on class Deductibles that can start as low as $100, subject to underwriting terms Minimum premiums are class-dependent and may vary by submission Underwriters evaluate claims history, staffing levels, regulatory compliance, and risk management practices when quoting. Accounts with strong clinical protocols and documented loss controls typically receive better terms. Territories and Market Access The program is available nationwide, including all 50 states and Washington, DC, through admitted and non-admitted market options. This breadth of access helps you place business in varied regulatory environments and match market form requirements to client needs. Why Partner with Citadel Insurance Services? As a wholesale broker with deep experience in the healthcare sector, Citadel combines specialized underwriting relationships with hands-on placement support. Agents and brokers benefit from: Access to multiple admitted and non-admitted markets Underwriting that understands healthcare operations and exposures Flexible limit and deductible structures to fit account size and risk tolerances Guidance on risk controls that can improve insurability and terms Example placements: you might have a client that operates a three-site assisted living group seeking consolidated limits and abuse coverage, or a rural hospice needing a package that includes property and professional liability. Citadel’s HealthPAC program is positioned to review and quote both types of accounts. From placement strategy to market access, Citadel Insurance Services aims to be a practical partner for agents and brokers handling healthcare-related risks. Frequently Asked Questions What types of accounts are a good fit for this healthcare insurance program?This program is ideal for assisted living centers, skilled nursing homes, adult day care centers, hospices, and other long-term care providers, including both single-site and multi-site operations. Are both admitted and non-admitted markets available?Yes. Citadel offers access to both admitted and non-admitted markets so you can select the structure that best fits the client's regulatory and risk management needs. What are the minimum premium requirements?Minimum premiums vary by class and underwriting factors. Submit details to underwriting for a specific minimum premium for the account. Is this program available nationwide?Yes. The program is available in all 50 states and Washington, DC, with market placement options that reflect each jurisdiction's requirements. Can I place larger healthcare accounts through this program?Yes. The program can accommodate a range of account sizes, with liability limits commonly available up to $5 million per claim, depending on class and underwriting review. Need help placing an account? Connect with a market specialist.

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.

Program overview — Citadel Insurance Services: Insurance Program Development and Management With more than 20 years of focused program development and management experience, Citadel Insurance Services provides wholesale underwriting and program administration support to independent agents and brokers. We work with start-up and established programs — designing market placement strategies, structuring coverages, and improving distribution to sustain growth. Citadel specializes in creative solutions for unique or hard-to-place programs, including book aggregation, affinity arrangements, and risk purchasing groups. Our focus Associations Affinity groups Book aggregation Reinsurance access and program layering Risk purchasing groups (RPGs) Industries and classes we commonly support Citadel has driven program success across a wide range of classes. Typical sectors include: Real estate and property managers Contracting and construction-related trades Entertainment and motorsports Healthcare and life sciences Sport, fitness and recreation Manufacturing and transportation (including trucking) Professional liability / E&O for specialized occupations Coverage highlights and advantages This program is designed to help you place accounts that require program-level thinking rather than single-risk placement. Key strengths include: Program design and underwriting structures tailored to affinity and association-based business. Ability to assemble layered capacity, including reinsurance relationships to support larger or aggregated books. Flexibility to create binding authority, master policies, or papering structures that support book aggregation and delegated distribution. Expertise in market placement for unique or non-standard risks that need creative underwriting solutions. Underwriting notes and submission guidance Appetite is program-specific but generally favors group-based or program-style placements where underwriting guidelines, membership/enrollment controls, and loss control protocols can be applied. Typical items underwriters will request include: Program summary and business model (enrollment, premium flow, eligibility rules) Recent loss information or loss runs where available Copies of any membership or contractual agreements tied to the program Fee schedules, aggregation thresholds, and reinsurance structures if already in place Minimum premiums and attachment points vary by product and carrier; specific thresholds are established on a program-by-program basis. Territories and admitted status This program is available in the following jurisdictions: 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. Citadel currently positions these program solutions through non-admitted / surplus lines placements where appropriate and permitted; admitted options may be available with specific carriers on a case-by-case basis. Why place program business through Citadel Deep program-development experience — from concept to mature distribution. Proven ability to place specialized and aggregated books with creative market solutions. Wholesale-broker model that supports delegated authority, tailored wording, and layered capacity. Practical underwriting guidance that helps you structure a program to attract carrier appetite while protecting risk quality. Example client scenarios You represent a regional association seeking to offer a branded liability program to members. Citadel can help structure eligibility rules, partner with carriers for capacity, and design enrollment and premium collection mechanics. You have several small contractors with similar exposure that would produce a more attractive submission if aggregated. Citadel can advise on book-aggregation strategies and place combined coverage with appropriate underwriting controls. Frequently Asked Questions What types of accounts are a good fit for Citadel’s program development services?The best fits are group- or program-style opportunities: associations, affinity groups, book-aggregation arrangements, risk purchasing groups, and other situations where unified underwriting rules, membership controls, or pooled premium flow make a program more marketable. Is this offered on an admitted basis?Citadel generally positions these solutions through non-admitted / surplus lines placements. Admitted options may be possible with specific carriers on a program-by-program basis; discuss the target state and product to determine availability. What do carriers typically require on submissions?Underwriters will expect a clear program summary, eligibility and enrollment procedures, loss history if available, and any existing reinsurance or aggregation terms. The more detail you provide about controls and premium flow, the quicker carriers can assess capacity and terms. Which states do you support?The program is available in: 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. State-specific placement rules apply. Need help placing an account? Connect with a market specialist.

Citadel Insurance Services offers a specialized insurance program designed exclusively for oil and gas consultants. Whether you're working with a solo operator or a larger directional drilling operation, our program provides flexible, comprehensive coverage options tailored to the unique risks of the oilfield consulting industry. We understand the challenges agents face in placing these accounts, and we’re here to simplify the process with fast turnarounds, competitive premiums, and broad underwriting capabilities. Ideal Accounts and Appetite Our Oil & Gas Consultants program is built to accommodate a wide variety of field professionals operating in the upstream and midstream energy sectors. Typical target classes include: Drilling consultants Directional drillers Wellsite operators Geologists Health and safety consultants Welding inspectors Non-destructive testers Company men And many other oilfield service consultants If you have a client providing field oversight, technical expertise, or regulatory compliance services in the oil and gas sector, this program is likely a fit. From one-person LLCs to mid-sized consulting firms, we offer scalable solutions for a broad range of exposures. Coverage Highlights and Advantages Our program offers a robust suite of coverages to help protect your insureds from the industry’s most common liability exposures: Errors & Omissions Liability – Including professional liability, breach of contract, libel/slander, defamation, loss of documents, and withheld fee payments Commercial General Liability – Covers products/completed operations, tenants' legal liability, non-owned and hired auto, employee benefits liability, and medical expense coverage Pollution Liability – Protection for bodily injury and property damage arising from sudden and accidental pollution events Worldwide Jurisdiction – Standard worldwide coverage for consultants operating across international borders Flexible Limits – Limits available up to $5,000,000 Underwriting Notes and Minimum Premiums Our streamlined underwriting process is designed to help you win more business with ease. We typically provide quotes within 24–48 hours, with deductibles starting as low as $2,500 and minimum premiums beginning at just $3,000. We are able to consider a wide range of account sizes and operational scopes. Whether your client is based in the Permian Basin or travels internationally for consulting work, we can tailor the policy to their needs. Territories and Availability This program is available in all 50 states plus the District of Columbia. We operate across both admitted and non-admitted markets to ensure flexibility and responsiveness in coverage placement. Current markets include respected carriers such as CFC and Markel. Why Work With Citadel Insurance Services? Citadel Insurance Services is a wholesale broker with deep expertise in energy-sector risk. We focus on delivering fast, competitive solutions that meet the real-world needs of your oilfield consultant clients. Our team understands the operational risks, regulatory pressures, and contractual liabilities these professionals face daily. By partnering with us, you gain access to niche markets, responsive service, and a program built to help you win and retain oil & gas consulting business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for oil and gas consultants such as drilling supervisors, wellsite geologists, safety advisors, and other independent professionals or small firms working in the energy sector. Are international operations covered?Yes, the program includes worldwide jurisdiction and territorial limits as standard, making it suitable for consultants who travel or operate internationally. What is the minimum premium for this program?The minimum premium starts at $3,000, making it accessible for small and mid-sized consulting operations. How quickly can I get a quote?We typically provide quotes within 24 to 48 hours after receiving a complete submission. Which carriers are used in this program?We work with reputable markets such as CFC and Markel to provide flexible, reliable coverage options tailored to the oil and gas industry. 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.