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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.

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

...a client hauling electronics, pharmaceuticals, or other high-value goods that ...

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

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.

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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USG Insurance Services, Inc. is a national wholesaler and managing general agent (MGA) with 18 offices across the country and the ability to write in all 50 states. Built from the ground up by some of the top executives in insurance, USG continues to expand operations nationwide while providing innovative solutions for the risk management industry. The USG team consists of experts divided not by territory, account size, or coverage who can help meet all commercial insurance account needs. We are problem solvers for all commercial lines coverages and specialize in hard-to-place risks, providing our agents with focused expertise and solutions. In 2016, USG is celebrating 15 years in business and continues to outpace industry growth metrics with a state-of-the-art Service Center, Marketing Department, and IT Department. We have also branched out into several specialty divisions, including AAU: Allied American Underwriters, Brokers Financial Services, BFS Inspections, Into Innovations, and Aureate. Our forward-thinking technology continues to evolve through our proprietary system, I3x, that expedites quote process and policy service; and through the launch of a new online and phone quoting system, INS LINK, that will streamline small transactional accounts and bring in additional opportunities nationally. USG's corporate office is located in Tampa, Florida; and our flagship office is located in Canonsburg, Pennsylvania. Medical Malpractice Hospitals/Clinics Residential Care Assisted Living Facilities Ambulance Services Counseling/Psychologists Imaging Centers Specialists Pharmacists/Pharmacies Medical Equipment Dealers Medical Equipment Manufacturers Pharmaceutical Products

Multi-Peril – First Party Insurance from Intellectual Property Insurance Services Corporation (IPISC) Intellectual Property Insurance Services Corporation (IPISC) offers a specialized Multi-Peril – First Party Insurance program designed to protect insureds against financial losses stemming from adverse outcomes in intellectual property (IP) litigation. This unique coverage is available as a rider to existing Abatement and/or Defense policies, providing a powerful risk management tool for businesses that depend on patents, trademarks, copyrights, and other forms of IP. Ideal Accounts and Appetite This program is a strong fit for companies that actively enforce or defend their intellectual property rights and rely on those IP assets for competitive advantage. Ideal insureds include: Technology companies with active patent portfolios Product manufacturers with proprietary designs or trademarks Pharmaceutical or biotech firms with patent-protected products Media and entertainment companies with copyrights to protect If you have clients engaged in ongoing IP litigation or who face a high risk of IP enforcement actions, this program can provide critical financial protection in the event of unfavorable legal outcomes. Coverage Highlights and Advantages The Multi-Peril – First Party Insurance rider provides first-party coverage when the insured loses an IP lawsuit due to specific adverse events. Covered perils include: Preliminary Injunctions Invalidation or Validation of a patent, trademark, or copyright Loss of a civil proceeding When triggered, the policy can respond to first-party losses related to: Business Interruption Loss of Commercial Advantage Costs of Redesign, Remediation, and Reparations This coverage is especially valuable for companies that depend on uninterrupted operations or market exclusivity tied to their IP assets. Underwriting Notes and Minimum Premiums Coverage is offered through various carriers, with underwriting tailored to the specific IP assets and litigation exposure of each applicant. Minimum premiums vary depending on risk profile and the scope of the underlying policy. Business must be written in conjunction with an existing Abatement and/or Defense policy from IPISC. Territories and Availability This program is available in most states, including but not limited to CA, TX, NY, FL, IL, and PA. IPISC provides coverage across 49 states and Washington, D.C., making it accessible to a wide range of insureds nationwide. Admitted status is available in most states. Why Work With IPISC? IPISC is a leading Managing General Agency specializing exclusively in intellectual property insurance. With decades of experience and a focus on both litigation defense and enforcement (abatement), IPISC is uniquely positioned to understand the legal and financial risks associated with IP disputes. Their underwriting team brings deep expertise and personalized attention to complex accounts, helping agents secure tailored solutions for IP-rich businesses. Whether your client is a startup protecting a breakthrough patent or an established brand enforcing a trademark, IPISC’s Multi-Peril – First Party Insurance adds a critical layer of protection to their IP strategy. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include companies that rely heavily on intellectual property, such as tech firms, manufacturers, biotech companies, and media businesses involved in IP litigation or enforcement. What triggers coverage under this policy?Coverage is triggered by adverse events in IP litigation, such as a preliminary injunction, invalidation or validation of IP rights, or the loss of a civil proceeding. Is this coverage available as a standalone policy?No, this coverage is available only as a rider to an existing Abatement and/or Defense policy issued by IPISC. What types of losses are covered?Covered losses may include business interruption, loss of commercial advantage, and the costs associated with redesign, remediation, or reparations. Where is this program available?The program is available in most U.S. states and Washington, D.C., with admitted status in many jurisdictions. Need help placing an account? Connect with a market specialist.

...include Food, Nutraceuticals, Pharmaceuticals, Chemicals, Medical Devices, Aut...