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

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.

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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.

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.

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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.

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