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Overview — Continental Risk: Products Liability Insurance Continent...itted?Continental Risk places these products liability programs through surplu...

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Veracity Insurance Solutions, LLC offers a focused Medical Equipment Product Liability Insurance program specifically designed for companies that manufacture, sell, service, or repair medical devices used in hospitals and other healthcare settings. Our underwriting team understands device risk, including Class III invasive devices, and works with a panel of multiple carriers to place accounts that can be difficult to insure in the standard market. Partner with Veracity to simplify placement and give your clients robust product liability protection tailored to medical device exposures. Target Classes • Anesthesia equipment • Bypass equipment • Catheterization lab and diathermy equipment • Cobalt therapy units • CT scanners • Defibrillators • Dialysis equipment • Electrophoretic equipment • Endoscopes • Film processing equipment • Life support and ventilation equipment • Linear accelerators • MRI scanners • Neonatal incubators & warmers • Ophthalmic lasers • Pacemakers • Radiographic equipment • Sterilizer and washing equipment • Surgical laser equipment • Surgical tables and lights • Telemetry equipment • Therapeutic X-ray equipment • Transcutaneous electrical nerve stimulation (TENS) equipment Program Highlights • Medical Professional (MP) deductible: $1,000 • Claims-made and occurrence forms available • No general liability deductible (on available forms) • Additional insured endorsements available • Employee benefits liability available • Limited professional liability included • Hired/non-owned auto and inland marine available • Limits up to $5 million (subject to underwriting) Overview for Agents and Brokers Veracity’s Medical Equipment Product Liability Insurance program is aimed at wholesale placement through agents and brokers. We combine targeted underwriting, flexible policy options (claims-made and occurrence), and access to admitted and non-admitted markets to secure terms for a wide range of medical device risks. Our team evaluates design, manufacturing, repair/service operations, distribution channels, and product use environments so you can present a complete submission. Ideal Accounts and Appetite Manufacturers and assemblers of hospital-grade medical devices, including some Class III invasive devices. Distributors, importers, and resellers of diagnostic and therapeutic equipment. Companies that provide repair, refurbishment, or servicing of medical devices used in clinical settings. Accounts with documented quality control, FDA/regulated-device history, and formal service procedures typically receive the most competitive consideration. Risks with ongoing recall activity, habitual regulatory enforcement, or undeclared device classifications may be declined or require specialized terms. Underwriting Notes and Minimum Premiums Underwriting focuses on product complexity, intended use, annual revenue from medical device operations, distribution territories, and loss history. Minimum premium varies by carrier and state. Veracity places with multiple carriers and can consider both admitted and excess & surplus solutions depending on appetite and exposures. Territories and Availability This program is available in the following states and territories: 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. Admitted status: All Available Markets; Veracity operates as a Managing General Agency and Excess & Surplus Lines Broker to secure the best fit for each account. Why Work With Veracity Insurance Solutions, LLC As a specialty MGA and E&S broker, Veracity offers underwriters with device-specific expertise and placement flexibility across admitted and surplus markets. We streamline submissions and provide access to additional coverages (inland marine, hired/non-owned auto, employee benefits liability) so you can assemble comprehensive packages for your clients. Our focus on medical device product liability helps you place technically complex accounts that standard markets may decline. Example Account Scenarios You might have a client that manufactures hospital ventilators with documented ISO processes and routine service contracts — this program can consider product and limited professional liability with higher limits and tailored endorsements. Or you may represent a regional service provider that refurbishes and repairs diagnostic imaging equipment for hospitals — Veracity can evaluate inland marine options for equipment in transit and product liability for repaired units. For more information, contact us at 1-866-395-1308. Frequently Asked Questions What types of medical device accounts are the best fit for this Veracity program?Accounts that manufacture, distribute, sell, or service hospital-grade devices—especially those with documented quality systems, clear service procedures, and manageable loss histories—are the best fit. We also consider repair and refurbishment operations when controls and warranties are in place. Does Veracity write Class III invasive devices?Yes. Our underwriting appetite includes some Class III invasive medical devices, but acceptance depends on device classification history, regulatory oversight, product documentation, and loss exposure. Provide detailed device and regulatory information with your submission. Are both claims-made and occurrence forms available?Yes. The program can offer both claims-made and occurrence forms depending on carrier availability and the specifics of the account. What additional coverages can be packaged with product liability?Veracity can place additional insured endorsements, limited professional liability, employee benefits liability, hired/non-owned auto, and inland marine coverage where appropriate and subject to underwriting. Need help placing an account? Connect with a market specialist.

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VIP has developed exclusive insurance coverage forms to respond to the unique needs of the vape and e-cigarette industry. VIP is your vape insurance solution! The risks faced by vape retailers and manufacturers go far beyond standard exposures like slip-and-fall. Product malfunction claims, liability for e-liquid ingredients, and regulatory compliance issues are just a few of the complex challenges these businesses face—challenges that many carriers avoid. That’s where VIP steps in with a specialty solution designed for this evolving industry. Exclusive Vape Insurance Program from Veracity Insurance Solutions VIP, a division of Veracity Insurance Solutions, LLC, offers a specialized program tailored specifically for vape-related businesses. As a Managing General Agency and E&S Broker, VIP understands the nuances of this sector and provides comprehensive solutions to protect your clients and their operations. Ideal Accounts and Target Classes This program is designed for a wide range of vape-related businesses, including: Importers & Exporters Retailers and Vape Shops Mixers/Blenders of E-Liquids Manufacturers and Distributors Retail Stores with Vape Lounges Whether your client is a startup e-liquid blender or an established vape hardware importer, this program can accommodate a variety of business models. Coverage Highlights and Advantages VIP’s vape insurance program offers flexible and robust coverage options, including: Two policy forms to choose from Low minimum premiums starting at $2,500 Coverage through “A” rated carriers No health hazard exclusion for e-cig hardware or liquids Startups and new ventures eligible Property coverage available In-house underwriting for faster service General liability limits from $250,000 to $20 million Optional product recall and transit coverage Pollution liability coverage available These options help you protect clients from costly legal expenses and product-related liability claims that could otherwise threaten their business survival. Underwriting Notes and Minimum Premium With a minimum premium starting at $2,500, this program is accessible for both new and growing vape businesses. In-house underwriting allows for fast turnaround and personalized service. The program is written on a non-admitted basis using various carriers, giving you the flexibility to place challenging risks. Available Nationwide This program is available in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With Veracity Insurance Solutions Veracity Insurance Solutions has set a new standard in specialty insurance. With a strong focus on compliance, product knowledge, and responsive service, VIP delivers a seamless experience for agents and brokers. You’ll work with a team that values efficiency and is committed to protecting your clients' businesses during claims and beyond. This is where our Vape Insurance program comes in—offering specialized coverage and peace of mind for your clients in this unique industry. Frequently Asked Questions What types of accounts are a good fit for this vape insurance program?This program is ideal for vape shops, e-liquid manufacturers, importers, exporters, and distributors—including startups and new ventures. Is this coverage available in all states?The program is available in most U.S. states, including CA, NY, TX, FL, and many others. Contact us to confirm availability in your client’s state. Are startups or new vape businesses eligible?Yes, this program welcomes new ventures and startups, including first-time vape retailers or manufacturers. What liability limits are available?General liability limits range from $250,000 up to $20 million, with optional product recall and pollution coverage also available. Is there a health hazard exclusion in the policy?No, there is no health hazard exclusion for e-cigarette hardware or e-liquids, providing broader protection for your clients. Need help placing an account? Connect with a market specialist.

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