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Target Classes: Pharmaceuticals & Biotech Products Medical D...

...on science-driven exposures — pharmaceuticals, biologics, medical devices, con...rols. Target classes include: Pharmaceuticals (including biologics) Contr...

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.

...seafood/poultry, growers) Pharmaceuticals, medical devices and dietary sup...consumer goods, medical devices, pharmaceuticals, component parts manufacturer...

... Electronics Clothing Pharmaceuticals Neutroceuticals Medical ...distributors of products such as pharmaceuticals, medical devices, electronics...

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...

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

...amp; Equipment Chemicals, Pharmaceuticals, & Neutroceuticals Medic...

...d, and refrigerated goods Pharmaceuticals and mail/periodical delivery ...