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...s placing clinical (non-pathology) labs and imaging facilities, the program pr...is program? Clinical diagnostic labs and imaging centers that do not per...

...xposures that consultants, testing labs and related firms face and can tailor ...s. Generally a good fit: offices and labs with limited on-site remediation, o...

Architects & Engineers Liability Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a tailored program for design, engineering and environmental consulting firms. Our Architects & Engineers Professional Liability, Commercial General Liability (CGL) and Contractors Pollution Liability package is structured to address the technical, contractual and pollution exposures common to these professions—allowing you to place multi-line liability solutions for clients who work on environmentally sensitive or highly regulated projects. Ideal Accounts and Appetite This program targets a range of professional service providers, including: Engineering firms and independent engineers Environmental consultants and remediation contractors Testing laboratories and analytical service providers Oil & gas consultants and specialty technical consultants We can handle small to mid-sized firms and select larger or more complex operations that carry contractual pollution exposures. Accounts with routine site work, sample transportation, laboratory analysis, or scope-of-work exposure to released pollutants are a primary focus. Coverage Highlights and Advantages This program combines three core liability protections into a single placement to reduce gaps between disciplines: Architects & Engineers Professional Liability — Coverage for errors, omissions or negligent acts in the performance of professional services. Commercial General Liability (Occurrence) — Occurrence-form CGL for bodily injury, property damage and related general liability claims arising from A&E operations. Contractors Pollution Liability — Coverage for third-party liability tied to the release, migration or transportation of pollutants. Key endorsements and program features available include: Media & Technology extensions Onsite Cleanup endorsement tailored for laboratories Transportation of Pollutants Liability Blanket Primary & Non-Contributory wording Hired & Non-Owned Auto endorsements Limits are available up to $2 million, subject to underwriting and carrier appetite. Underwriting Notes and Minimum Premiums Underwriting considers professional revenue, services performed, pollution exposures, claims history and contractual requirements. Minimum premiums vary by risk type, limits and territory; Continental Risk’s underwriting team works directly with appointed agents and brokers to size coverages and structure terms appropriate to each submission. Preferred submissions include detailed scopes of services, sample contracts, any pollution control procedures and loss runs where available. We welcome accounts with complex contractual obligations or higher pollution risk, but this is exclusively a non-admitted solution—placements are handled on a surplus lines basis. Territories and Availability This program is available on a non-admitted basis in all 50 states and the District of Columbia, 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. Why Work With Continental Risk / Continental Marine Insurance Services? As a general agency and excess & surplus lines broker, Continental Risk brings focused expertise in hard-to-place liability and pollution risks. We maintain relationships with multiple carriers experienced in technical exposures, and we structure layered solutions to help you meet contract requirements while managing environmental liability risk. Our team supports brokers with underwriting guidance, bespoke endorsements, and flexible wording options when standard markets decline or require tailored pollution language. Example account scenarios you might place through this program: A regional environmental lab that performs onsite sampling and small-scale cleanup services and needs combined professional, CGL and pollution transport coverage. An engineering firm contracted to provide site assessments and design services for brownfield redevelopment that requires primary non-contributory limits and pollution liability endorsements. For more information about accessing the program and submission requirements, please visit our company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited to engineers, testing laboratories, environmental consultants, and oil & gas consultants that have professional liability and pollution exposures. Is this program admitted in any states?No. This program is offered on a non-admitted (surplus lines) basis in all available states and the District of Columbia. What is the maximum limit of liability available?Limits are available up to $2 million, depending on the risk profile and underwriting evaluation. Are pollution-related endorsements included?Yes. The program includes Contractors Pollution Liability and offers endorsements such as Onsite Cleanup and Transportation of Pollutants where appropriate. What states is this program available in?This program is available in all 50 states and Washington, D.C., on a non-admitted basis. Need help placing an account? Connect with a market specialist.

...alcohol service if applicable, and photos of the range, bays, and cart storage...s (including alcohol service if any), photos of the range and carts, and any r...

...liability options for researchers, labs and developers Data breach expense... biologic developers, product testing labs, research institutions and service ...

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.

... Drug testing and medical testing labs Health & fitness centers and medic...home health agencies, medical testing labs, medical spas, physical therapy cli...

...clude: Laser hair removal Photo facials and age/sun spot treatment ...edspa that offers laser hair removal, photo facials, and non-ablative skin res...

...saries, CBD manufacturers, testing labs, transporters, and ancillary retail/wh...

...sbestos & Lead Consultants and Labs Environmental Assessments and Ph...