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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.

Venture Insurance Programs offers a specialized Bio Technology Insurance solution tailored for the unique risks and challenges of the technology and biotechnology industries. This program delivers robust Workers’ Compensation and risk management coverage for a wide range of tech-related businesses, including hardware manufacturers, software developers, internet service providers, medical device manufacturers, and pharmaceutical research and development firms. Overview of the Program From Venture Insurance Programs Designed with innovation-driven industries in mind, the Bio Technology Insurance program from Venture provides coverage that evolves with your clients' needs. Whether you're working with a startup developing AI-based healthcare devices or a large-scale biotech firm conducting pharmaceutical trials, this program offers flexible, competitive solutions—particularly for accounts with more than 50 employees. Ideal Accounts and Appetite This program is best suited for mid-sized to large technology and biotech firms. Ideal risks include: Biotechnology research and development companies Pharmaceutical testing and R&D laboratories Medical device manufacturing Software and hardware developers in the health tech space Internet service and cloud infrastructure providers For example, you might have a client in California with 75 employees working on wearable health devices—this program is designed to help you place that business efficiently and competitively. Coverage Highlights and Advantages Workers’ Compensation coverage tailored to technology and biotech exposures Risk management resources to help control losses and improve safety Highly competitive premiums for qualifying accounts Strong underwriting support from a dedicated technology-focused team The program is structured to address the complex liability and injury risks associated with lab work, field testing, and high-tech manufacturing—areas where traditional comp policies may fall short. Underwriting Notes and Minimum Premiums While minimum premium information is not specified, Venture Insurance Programs targets accounts with at least 50 employees, particularly in regions like California where the program is especially competitive. Underwriting is handled by a knowledgeable team that understands the nuances of emerging technologies and evolving workplace risks. Territories and Availability This program is available in all 50 states, plus Washington, DC. Whether your client is based in a biotech hub like California or a growing tech corridor in Texas, Venture can help you secure the right Workers’ Compensation solution. Why Work With Venture Insurance Programs As a Managing General Agency (MGA) with deep experience in niche programs, Venture Insurance Programs brings specialized knowledge, responsive service, and strong market access to every submission. Their focus on the technology and biotech sectors allows them to offer tailored solutions that general markets may not provide. When you need to place complex or high-growth tech accounts, Venture is a trusted partner who understands your clients’ industries. Frequently Asked Questions What types of accounts are a good fit for this program?Mid-sized to large technology and biotech firms, including hardware and software developers, medical device manufacturers, and pharmaceutical R&D companies, are ideal fits. Is this program available in all states?Yes, the Bio Technology Insurance program from Venture 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 built-in risk management services, tailored to technology and biotechnology companies. What size of business does the program target?This program is especially competitive for companies with more than 50 employees, particularly in states like California. Why should I place this type of business with Venture Insurance Programs?Venture offers deep industry expertise, responsive underwriting, and a tailored approach for complex tech and biotech risks—making them a reliable partner for placing challenging accounts. 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.

... (food, beverages, cosmetics, pharmaceuticals) If you work with clients who r... food, beverages, cosmetics, and pharmaceuticals. Post-incident services are...

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

...ipment, medical supplies, and pharmaceuticals. Target Classes and Ideal Acc...

...nery, chemicals, electronics, pharmaceuticals, food and beverage, cosmetics, a...

LESSOR'S RISK **** WE ACCEPT / ENTERTAIN ALL TYPES OF TENANTS **** Overview of the Program From Vintage Underwriters Vintage Underwriters offers a flexible, competitive Lessor's Risk Insurance (Landlord Policy) program built for agents who need market access for tenant-occupied commercial property risks. Whether your client owns a single building or manages multiple leased spaces, this program combines property and liability solutions and focuses on placement options for harder-to-place occupancies through access to multiple non-admitted carriers and tailored underwriting. Ideal Accounts and Appetite This program is a strong fit for commercial landlord risks in Texas with tenant occupancy between 31% and 100%. We routinely consider retail, office, food service, service contractors, light manufacturing, and similar occupancies. The program is designed to handle accounts other markets may decline, but there are clear tenant exclusions: Fireworks dealers Grain silos Military or defense-related operations Aerospace facilities (office use only is acceptable) Pharmaceutical manufacturing or distribution If you have a borderline or unusual tenant, submit the risk — many are entertained with underwriting review and carrier placement options. Coverage Highlights and Advantages Vintage Underwriters can package property and liability under one policy or offer monoline options to suit the insured's needs. Key program features include: General Liability Limits available up to $5M / $5M / $5M (primary) Assault & Battery coverage offered where appropriate Hired and Non-Owned Auto Liability available Aggregate Per Location endorsement available Property Coverage In-house binding authority up to $3M per location Brokerage access to placement capacity up to $10M per location Business Income and Rental Value offered up to 12 months Equipment Breakdown and Sign Coverage available Umbrella Liability Standalone umbrella policy options Limits up to $10M written in $1M layers $500M per layer; tenant restrictions may apply Underwriting Notes and Minimum Premiums We provide practical minimum premiums to help you place accounts that might otherwise be declined: Package Policy: Starting at $750 minimum premium Monoline Policy: Starting at $500 minimum premium Our underwriters work directly with agents to evaluate exposures and structure submissions for the best carrier match. We handle both routine and challenged accounts with a solutions-first approach. Territories and Availability This Lessor's Risk program is available in Texas and is offered on a non-admitted basis through multiple carrier relationships. Our non-admitted access helps secure coverage for occupancies and risk characteristics that are difficult to place on admitted paper. Why Work With Vintage Underwriters on Lessor’s Risk Accounts? Vintage Underwriters brings focused underwriting, market access, and responsiveness to landlord accounts. We specialize in placing tenant-occupied commercial properties — including mixed-use and partially occupied buildings — where flexibility and carrier placement are critical to getting business bound. Example scenarios that fit well: You have a client who owns a 40% occupied retail strip center with a vape shop, hair salon, and small café seeking combined property and liability limits on a non-admitted program. Your insured manages a commercial building with office and light manufacturing tenants where one tenant has an uncommon operation — submit for review and we’ll evaluate placement options. Our underwriting team is available to review submissions and provide guidance on documentation and risk improvements that increase placement potential. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial properties with active tenants — retail, office, light industrial, and similar occupancies. Occupancy between 31% and 100% is eligible; the program is designed to handle many harder-to-place tenant mixes. Are there any tenant restrictions?Yes. We typically exclude fireworks dealers, grain silos, military/defense operations, aerospace facilities (except general office use), and pharmaceutical manufacturing or distribution. Is this program available outside of Texas?No — this Lessor’s Risk program is currently offered only in Texas. What are the minimum premiums?Minimum premiums start at $750 for package policies and $500 for monoline policies. Can this program cover vacant or partially occupied properties?Properties with at least 31% occupancy are eligible. Fully vacant properties are excluded. Need help placing an account? Connect with a market specialist.