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NATIONAL PHARMACY INSURANCE PROGRAM ARS EXCLUSIVE!! Overview of the Program From Atlantic Risk Specialists, Inc./ARS-Latiff, LLC The National Pharmacy Insurance Program is an exclusive offering from Atlantic Risk Specialists, Inc./ARS-Latiff, LLC, designed specifically for retail and compounding pharmacies across the United States. This comprehensive solution provides vital liability protection tailored to the risks your pharmacy clients face every day—whether they’re compounding customized medications or operating multiple retail locations. Ideal Accounts and Appetite This program is crafted for a wide range of pharmacy operations, including: Independent and chain retail pharmacies Compounding pharmacies (sterile and non-sterile) Pharmacies providing delivery or mail-order services Pharmacies with PCAB certification may qualify for additional discounts, making this program even more attractive for high-quality operators. Example fit: You may have a client operating a multi-location retail pharmacy that also offers compounding services. They need reliable protection for professional liability, general premises exposures, and product-related risks. This program is built to meet those needs. Coverage Highlights and Advantages Professional Liability: Covers professional services, including compounding activities. $1,000,000 Each Claim / $3,000,000 Aggregate (Higher limits of $2M/$4M available) General Liability (Including Products & Completed Operations) $1,000,000 Each Occurrence / $3,000,000 Aggregate Additional Coverage Features: Defense Outside the Limits (within policy aggregate) Medical Payments: $5,000 per injured person / $250,000 for all insured persons $50,000 for damage to premises rented to you Personal and Advertising Injury Liability Additional Insured endorsements for landlords, sponsors, or lessors Data breach and privacy liability, including breach mitigation expenses HIPAA-related exposures Prior acts coverage, higher deductibles, and increased limits may be available for an additional premium. Underwriting Notes and Minimum Premiums All coverage is written on a claims-made basis through an A-rated carrier. The minimum premium starts at $3,500, making it a competitive option for small to mid-sized pharmacy operations. Underwriting is highly focused on risk quality, and additional credits may apply for certifications and well-managed operations. Territories and Availability This non-admitted program is available in all 50 states and the District of Columbia, including but not limited to CA, FL, NY, TX, and IL. Atlantic Risk Specialists offers nationwide reach with the specialty expertise needed to properly assess pharmacy-related risks across diverse jurisdictions. Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC Atlantic Risk Specialists is a Managing General Agency and Excess & Surplus Lines Broker with deep industry knowledge and a commitment to service. With exclusive access to this pharmacy program and a proven track record in complex risk placement, ARS is your go-to partner for placing pharmacy-related liability risks. You’ll benefit from specialized underwriting, market access to A-rated carriers, and responsive service that helps you close more accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent and chain retail pharmacies, compounding pharmacies (both sterile and non-sterile), and pharmacies offering delivery or mail-order services. Is coverage available nationwide?Yes, the program is available in all 50 states and the District of Columbia through a non-admitted A-rated carrier. What are the minimum premiums?The program starts at a minimum premium of $3,500, with pricing based on specific risk characteristics and limits selected. Are PCAB-certified pharmacies eligible for discounts?Yes, pharmacies with PCAB certification may qualify for additional premium discounts. What additional coverages are included?Coverage includes data breach and privacy liability, HIPAA-related exposures, and endorsements for additional insureds such as landlords or sponsors. 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.

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Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers a comprehensive Allied Medical Insurance program designed to support the evolving needs of healthcare providers, facilities, and services. As a trusted General Agency and Excess & Surplus Lines Broker, we bring deep expertise in healthcare-related liability, employer and provider stop loss, and a wide range of allied medical risks. With access to a broad selection of markets and carriers, we help agents and brokers secure competitively priced solutions tailored to complex medical exposures. Ideal Accounts and Appetite Our Allied Medical Insurance program is suitable for a wide array of healthcare-related businesses and professionals, including but not limited to: Hospitals and hospital systems Physician groups and individual practices Long-term care facilities and nursing homes Miscellaneous medical facilities such as imaging centers and fertility clinics Home healthcare providers Medical billing and coding companies Behavioral health facilities, including halfway houses Federally Qualified Health Centers (FQHCs) Life sciences companies including pharmaceutical and medical device firms This program is especially well-suited for accounts requiring tailored professional liability solutions, including hard-to-place risks or those with complex organizational structures such as Accountable Care Organizations (ACOs) or Integrated Delivery Organizations (IDOs). Coverage Highlights and Advantages We offer a wide range of coverages engineered to protect healthcare professionals and institutions from the unique liabilities they face. Coverage options include: Medical Professional Liability: Hospital, physician, long-term care, FQHC, and miscellaneous facility coverage Managed Care Liability: E&O and D&O for managed care entities, benefit plan sponsors, and ACOs Life Sciences: Coverage for pharmaceutical and medical device companies, including provider stop loss, HMO reinsurance, and MMSEA exposure solutions Specialty Solutions: Adverse health survey reimbursement, regulatory risk, Medicare Set-Aside liability, and loss portfolio transfers Our underwriting team works closely with agents to structure custom accounts and asset protection strategies that align with each client’s operations and risk profile. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, coverage limits, and risk factors. We’ve successfully placed recent accounts such as: Home Healthcare – GL, E&O: $1M/$3M – $72,000 Imaging Center – E&O: $1M – $31,000 IVF Clinic – E&O: $3M/$5M – $126,000 Medical Billing – E&O: $1M – $5,000 Halfway House – E&O: $1M/$3M – $12,500 Audiologist – E&O: $1M/$3M – $1,750 These examples reflect our broad appetite and flexibility in structuring limits and premiums to meet the needs of diverse medical businesses. Territories and Availability This program is available in all 50 states and the District of Columbia. Whether your client is based in a major metropolitan area or a rural setting, we can provide access to suitable markets and competitive terms. Why Work With Atlantic Risk Specialists Atlantic Risk Specialists, Inc./ARS-Latiff, LLC is a trusted partner for healthcare-related insurance needs. We bring: Extensive expertise across the healthcare liability spectrum Access to a wide range of carriers for both admitted and non-admitted placements Custom solutions for traditional and emerging healthcare risks Responsive service and skilled underwriting support Whether you're placing a straightforward physician practice or a complex life sciences account, our team helps you deliver the right coverage at competitive pricing. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for healthcare providers, medical facilities, long-term care operations, medical billing firms, and life sciences companies. Can you write business in all states?Yes, the Allied Medical Insurance program is available nationwide, including all 50 states and Washington, D.C. Do you offer solutions for non-traditional or hard-to-place risks?Yes, we specialize in structuring solutions for complex and non-standard healthcare risks, including ACOs, FQHCs, and halfway houses. What types of coverages are available under this program?Coverage options include medical professional liability, managed care E&O/D&O, provider stop loss, regulatory risk, and more. Is there a minimum premium requirement?Minimum premiums vary by class and coverage type. We work with agents to find solutions that align with their clients' needs and budgets. Need help placing an account? Connect with a market specialist.

...and textile manufacturers Pharmaceuticals and nutraceutical producers ...chinery, chemicals, electronics, pharmaceuticals, food & beverage, cosmeti...

Venture Insurance Programs offers a specialized Bio Technology Insurance program built for the unique exposures of technology and biotechnology firms. This Workers’ Compensation-focused program pairs tailored comp coverage with risk management services designed for companies working in lab environments, medical device manufacturing, health-tech software, cloud infrastructure, and pharmaceutical R&D. Overview of the Program From Venture Insurance Programs Built for innovation-driven industries, Venture’s Bio Technology Insurance program is structured to evolve with your clients’ operations. The program emphasizes Workers’ Compensation protection and loss control for companies where traditional comp policies may not fully address lab hazards, field testing, or high-tech manufacturing risks. Underwriting is handled by a team experienced in emerging technologies and the operational risks common to biotech and health-tech firms. Ideal Accounts and Appetite This program targets mid-sized to large technology and biotechnology employers—particularly accounts with 50 or more employees. Ideal classes include: Biotechnology research and development companies Pharmaceutical testing and R&D laboratories Medical device design and manufacturing Health-tech software and hardware developers (wearables, diagnostic equipment) Internet service, data center and cloud infrastructure providers supporting health applications Example: You might have a client in California with 75 employees developing wearable medical devices. Venture’s program is designed to help you place that account competitively while addressing lab testing and manufacturing exposures. Coverage Highlights and Advantages Workers’ Compensation coverage tailored to technology and biotech exposures Integrated risk management resources and loss-control support specific to lab and manufacturing hazards Competitive premiuming for qualifying mid-to-large accounts Responsive underwriting from a technology-focused team familiar with biotech operations The program is intended to fill gaps where standard comp programs may not adequately address the combination of laboratory, field testing, and precision manufacturing risks common to biotech and medical device firms. Underwriting Notes and Minimum Premiums Venture generally prefers accounts with at least 50 employees and looks for clients with formal safety and loss-control programs. While a specific minimum premium is not listed here, underwriters evaluate payroll size, class codes, loss history, and operational controls when determining pricing. Be prepared to submit detailed loss runs, class description, and a summary of safety procedures for lab or manufacturing operations. Territories and Availability The Bio Technology Insurance program is available nationwide — in all 50 states plus Washington, DC — making it a practical option whether your client is in a major biotech hub like California or a growing tech market in Texas or the Midwest. Why Work With Venture Insurance Programs As an MGA focused on niche programs, Venture brings targeted underwriting expertise, market access, and hands-on service for placing complex tech and biotech comp accounts. Their team understands emerging technologies and the operational nuances that drive comp risk, so you can expect underwriting that speaks the language of your insureds and practical risk management guidance to help control losses. Frequently Asked Questions What types of accounts are a good fit for this program?Mid-sized to large technology and biotech firms—hardware and software developers, medical device manufacturers, clinical and R&D laboratories, and related infrastructure providers—are the best fits. Is this program available in all states?Yes. Venture’s Bio Technology Insurance program is available in all 50 states and Washington, DC. Does the program focus on any particular coverage?The program specializes in Workers’ Compensation coverage with embedded risk management and loss-control services tailored to technology and biotechnology operations. What size of business does the program target?The program is especially competitive for businesses with more than 50 employees, and it is commonly used for mid-sized to large accounts—particularly in states like California. Why should I place this type of business with Venture Insurance Programs?Venture offers deep industry knowledge, focused underwriting, and practical risk-management support for complex tech and biotech risks—making them a reliable partner when placing challenging or specialized comp accounts. Need help placing an account? Connect with a market specialist.

... processing, medical devices, pharmaceuticals) Product recall and nutraceu.../ Tools Medical Products Pharmaceuticals Recreational / Safety Equ...