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...ability program for diagnostic laboratories and imaging centers. Designed for ...

...ability program for diagnostic laboratories and imaging centers. Designed for ...

Policy Highlights: Medical laboratories and diagnostic testing centers pro...uch as: Independent diagnostic laboratories (blood, toxicology, genetics, p...

MCGOWAN, DONNELLY & OBERHEU, LLC Environmental / Pollution Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a targeted Environmental / Pollution Professional Liability Insurance program for consultants and contractors operating in high-risk environmental sectors. This program is designed for professionals involved in hazardous operations and environmental remediation and helps your clients manage liability tied to pollution events, regulatory compliance, and professional errors or omissions. Ideal Accounts and Appetite This program fits a broad range of environmental professionals and service providers, including: Environmental consultants Environmental contractors Crime scene and illegal drug lab clean-up operators Hazardous material and medical waste handlers Mold remediation and damage restoration firms Radon mitigation specialists Oil & gas environmental consultants McGowan’s underwriting is focused on clients with pollution-related exposures or regulatory obligations. The program is particularly useful when clients face complex cleanup, third-party bodily injury or property damage exposures, or contractually required professional liability limits. Coverage Highlights and Advantages Key features of the Environmental / Pollution Professional Liability program include: Professional and management liability coverage tailored to environmental risks Primary and excess coverage options to meet contract or project requirements Coverage for bodily injury, property damage, and remediation/cleanup costs arising from pollution incidents Protection against claims stemming from professional errors, omissions, and negligent services The program is structured to serve both small firms—such as independent mold remediators—and larger regional contractors with more complex operations. Underwriting Notes and Minimum Premiums McGowan works with multiple carriers to place environmental professional liability, allowing flexibility across classes and locations. Underwriting considers scope of services, project types, loss history, and risk management practices. Minimum premiums and specific terms vary by carrier and class of business; contact McGowan, Donnelly & Oberheu, LLC for firm indications based on your client’s submission. Territories and Availability Coverage is available in most states, including but not limited to AL, CA, FL, NY, TX, and WA. The program is offered on an admitted basis in most jurisdictions, improving regulatory ease for clients; confirm availability and admitted status for the specific state and class of business with McGowan. Why Work With The McGowan Companies? As a wholesale broker with deep niche experience, The McGowan Companies provides access to specialized underwriting and a broad carrier network for environmental risks. Their team can help you match complex or hard-to-place environmental accounts to appropriate markets and structure primary or excess placements efficiently. For more information on Environmental / Pollution Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for environmental consultants, contractors, mold remediation firms, hazardous waste handlers, radon specialists, and similar businesses with pollution-related exposures that require professional liability and cleanup protections. Is this coverage available nationwide?The program is available in most states, including CA, TX, FL, NY, and others. Availability and admitted status may vary by state and class—confirm with McGowan for the specific location. What coverage limits are available?Both primary and excess limits are offered. Limits and retentions are tailored to the client’s exposure and contractual needs and will depend on carrier appetite and the submission details. Can small or startup environmental firms qualify?Yes. Underwriting is flexible for small to mid-sized operations and newer firms that demonstrate appropriate risk controls, training, and loss prevention practices. What carriers does McGowan work with for this program?Carrier partners vary by risk profile and geography. McGowan leverages a panel of markets to place different classes of environmental professional liability—contact them with a submission for market options. Need help placing an account? Connect with a market specialist.

... Analytical testing firms and laboratories Hazardous materials and waste ...

...maceutical testing and R&D laboratories Medical device design and manufa...nufacturers, clinical and R&D laboratories, and related infrastructure pro...

... rehabilitation facilities Laboratories Hospices and surgical centers ...

The Research & Development Insurance Program from Veracity Insurance Solutions, LLC is specifically designed for scientific and technology-driven companies engaged in research, development, and innovation. Whether your client is a start-up biotech firm, a virtual pharmaceutical company outsourcing lab work, or a tech enterprise transitioning from pre-clinical to clinical trials, Veracity offers flexible, tailored insurance solutions to meet evolving risk profiles. Ideal Accounts and Appetite This program is an excellent fit for a wide range of research-driven businesses, including but not limited to: Biotech and pharmaceutical start-ups Medical device developers Contract research organizations (CROs) Tech companies offering R&D services or hybrid product/service models Virtual companies operating with outsourced supply chains You might have a client launching a new medical device and beginning clinical trials, or a software company developing a proprietary algorithm for healthcare data—both would be strong candidates for this program. Coverage Highlights and Advantages The Research & Development policy provides broad and customizable protection, enabling coverage to grow with your client's business. Key features include: General Liability – Protects against third-party bodily injury and property damage claims. Professional Liability – Covers errors or omissions in R&D services rendered. Product Liability – For companies offering physical or digital products. Pollution & Contamination Liability – Address exposures from lab materials or testing environments. Clinical Trials Coverage – Crucial for companies entering the testing phase. Intellectual Property Rights Infringement – Helps manage the risk of IP disputes. Virus & Hacking Attack Liability – Protection against cybersecurity threats. Ideologically Motivated Attacks – Includes unique considerations for controversial or cutting-edge research sectors. Brand Protection – Preserves reputation in the wake of negative events or claims. Underwriting Notes and Minimum Premiums With minimum premiums starting at $1,000, this program is accessible to emerging businesses and start-ups. Veracity welcomes new ventures and early-stage operations. Their underwriting team understands the nuances of scientific innovation and works closely with brokers to structure coverage that fits. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. Most markets are available on a non-admitted basis, offering flexibility for unique or hard-to-place risks. Why Work With Veracity Insurance Solutions Veracity Insurance Solutions is a respected Managing General Agency and Excess & Surplus Lines Broker with access to multiple carriers and a strong track record in niche liability programs. Their expertise in emerging industries and commitment to flexible underwriting make them a reliable partner for brokers seeking specialized R&D coverage. From application to policy issuance, Veracity supports you with responsive service and market insight. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for biotech firms, pharmaceutical start-ups, medical device developers, and research organizations, including virtual companies and those transitioning to clinical trials. Is this program available to new ventures or start-ups?Yes, Veracity welcomes start-up operations and early-stage companies, offering flexible coverage options for growing businesses. Can this policy be customized as the business evolves?Absolutely. The policy is designed to adapt to changing risk profiles, such as transitioning from research to clinical trials or expanding product offerings. What is the minimum premium for this program?The minimum premium starts at $1,000, making it accessible to small and emerging R&D organizations. Is the program available in all states?Yes, the program is available in all 50 states and Washington, D.C., with most markets offered on a non-admitted basis. Need help placing an account? Connect with a market specialist.

...nicians Independent clinics, laboratories, and outpatient surgery centers ...can provide coverage for clinics, laboratories, ambulance services, HMOs, PPOs...

ENVIRONMENTAL IMPAIRMENT LIABILITY ENVIRONMENTAL CONTRACTORS AND CONSULTANTS TANK LIABILITY / UST / AST CONTRACTOR'S POLLUTION Package Policy Available and No Audit TANK LIABILITY MP $300 Continental Risk / Continental Marine Insurance Services offers a comprehensive Environmental Impairment Liability and Pollution insurance program tailored for environmental contractors and consultants. As an experienced excess & surplus lines broker, Continental Risk provides access to a wide range of markets and carriers, helping agents and brokers place challenging environmental accounts with confidence. Ideal Accounts and Appetite This program is designed for a broad spectrum of environmental service providers. Whether your client is a contractor handling hazardous waste or a consultant conducting environmental assessments, this market can accommodate a variety of exposures. Available classes include: Barrier Line Installation Closure Activities Emergency Response Hazardous Material Management Industrial Cleaning Landfill Construction Mold Remediation Soil and Ground Water Remediation Storage Tank Removal/Installation Air Quality Monitoring Health and Safety Training Remediation Project Management Phase I, II, and III Consulting Regulatory Compliance Sampling and Testing Waste Brokering Waste Management and Minimization For example, you might have a client who specializes in underground storage tank (UST) removal or performs mold remediation for commercial buildings. This program is well-equipped to handle such accounts. Coverage Highlights and Advantages Environmental Impairment Liability, including site-specific and contractor coverage Tank Liability for USTs and ASTs with minimum premiums starting at $300 Contractor’s Pollution Liability (CPL), including package policy options No audit required on select package policies These coverages help protect your clients from third-party bodily injury, property damage, and cleanup costs arising from pollution events, whether sudden or gradual. Underwriting Notes and Minimum Premiums Minimum premiums start as low as $300 for Tank Liability policies. Underwriting is flexible across most environmental classes, and the program is structured to meet the unique operational exposures of environmental professionals. Each submission is reviewed on its own merits, and Continental Risk works to find an appropriate market fit for even hard-to-place accounts. Territories and Availability Coverage is available in most 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 Continental Risk Continental Risk / Continental Marine Insurance Services brings specialized expertise to the environmental insurance sector. As a trusted excess & surplus lines broker, they offer access to multiple carriers and customized solutions for environmental service providers. Their streamlined process, competitive pricing, and deep knowledge of pollution and liability risks make them an excellent partner for placing complex environmental accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for environmental contractors and consultants, including firms involved in remediation, tank removal, hazardous material handling, and environmental assessments. Is this program available nationally?Yes, the program is available in most states across the U.S., including both coastal and inland markets. What is the minimum premium for coverage?The minimum premium starts at $300 for Tank Liability coverage. Other classes may vary based on scope and risk level. Are package policies available?Yes, package policies are available and may include Contractor’s Pollution Liability and Tank Liability with no audit required. What carriers are used for this program?Carrier availability varies depending on the risk and class of business. Continental Risk works with a range of markets to find the best fit. Need help placing an account? Connect with a market specialist.