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https://completemarkets.com/company/cochrane-and-company/environmental-insurance-coverage/
Environmental Insurance Coverage — Cochrane & Company
Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs.
Overview of the Program
This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers.
Ideal Accounts and Appetite
Environmental contractors performing remediation, site work, or contracting services with pollution exposures.
Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection.
Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage.
Owners/operators of storage tanks, fuel handling locations, and dry cleaners.
Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL).
Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information.
Coverage Highlights and Advantages
Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements.
Excess placement up to $10,000,000 — supported and unsupported options depending on the account.
Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships.
Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events.
MCS-90 filings available when auto is bound in conjunction with GL.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account.
Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory.
Territories and Admitted Status
Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis.
Why Work With Cochrane & Company
Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms.
Example Accounts
A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations.
An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity.
Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information.
Frequently Asked Questions
What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work.
What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review.
Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting.
What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks.
Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/cochrane-and-company/specialty-auto-insurance/
Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage.
Target classes — Eligible exposures
Catering businesses
Farms and dairies
Household goods movers (local)
Wholesale and retail delivery
Food delivery (non-pizza operations)
Mobile businesses and couriers
Magazine and newspaper distributors
Armored cars
Manufacturing businesses
Ready-mix operations (cement mixers, concrete pumpers)
Funeral operations
Vacuum trucks and street sweepers
Contractors, cranes and boom trucks
Not eligible
Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable)
Petroleum-based product haulers (refer to petroleum marketer programs)
For-hire, revenue-generating trucking units (refer to trucking programs)
Pizza delivery operations
Triple trailers, end-dump or side-dump trailers
Regulated medical or biohazardous waste
Mobile-home toters
Any risk hauling logs
Student drivers or risks allowing nonemployee passengers
Underwriting requirements
Loss history for current and prior three policy years
Complete VINs for all power units
Complete drivers’ roster (all drivers must have acceptable MVRs)
Coverage features include:
Automobile liability limits up to $5 million
Uninsured/underinsured motorist, medical payments and personal injury protection
Physical damage for schedules of vehicles
Motor truck cargo / inland marine options
Multi-line discounts when you package other business lines
Overview — Cochrane & Company Specialty Auto Insurance
This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations.
Ideal accounts and appetite
Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories.
Example scenarios:
You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage.
A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options.
Coverage highlights and advantages
Higher liability limits (up to $5M) for operations with elevated exposure.
Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate.
Motor truck cargo / inland marine options for legal-liability exposure on local hauls.
Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate.
Multi-line discounts available when you place additional business through the same carrier relationships.
Underwriting notes and minimum premiums
Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier.
Reporting capabilities
Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include:
Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange
Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form)
Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value
Territories and availability
States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk.
Why work with Cochrane & Company on Specialty Auto
Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations.
Access to multiple carriers and flexible reporting structures to match book-of-business needs.
Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups.
Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program.
Frequently Asked Questions
What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles.
What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis.
Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/cochrane-and-company/dealer--repair-insurance-program/
Cochrane & Company is proud to introduce its new Admitted Dealer & Repair Insurance Program, designed specifically for garage operations that sell, service, or repair a wide range of vehicles. Backed by an AM Best “A” rated carrier, this program is a strong solution for agents seeking comprehensive coverage options for clients with unique garage exposures.
Ideal Accounts and Appetite
This program is tailored for a diverse range of garage-related businesses, including both established operations and new ventures. Eligible risks include:
Auto Maintenance & Repair Shops
Auto Paint & Body Shops
Heavy Truck and Tractor Dealers/Repair
Mobile Auto Repair Services
RV & Trailer Dealers and Repair Shops
Motorcycle and Off-Road Vehicle Dealers
Non-Franchised Auto Dealers
Boat Engine Repair (on land)
Emergency Vehicle Sales/Repair
Valet Parking Operations
Auto Dismantling & Salvage Yards (AZ only)
Coverage is currently available in Arizona and California, with some variations in eligible classes by state.
Coverage Highlights and Advantages
The Dealer & Repair Insurance Program provides robust protection across key exposures:
Garage Liability: $1,000,000 per occurrence / $3,000,000 aggregate
Garagekeepers Coverage:
Heavy trucks and tractors: $150,000 per unit / $500,000 aggregate
Mixed auto types: $500,000 aggregate
Legal Liability and Direct Primary options available
Maximum deductible per loss: $5,000
Property Coverage: Building, contents, and business income
Additional Coverages: Signs, glass, E&O for auto dealers
Optional Liability Extensions: Part sales, lessor’s risk, mini-marts, and more
Vehicle Scheduling: Most business-use vehicles can be listed
Whether your client operates a mobile repair service or a multi-location repair shop, this program offers flexibility and depth of protection.
Underwriting Notes and Minimum Premiums
New ventures are welcome, and underwriting requires a completed Garage Application along with relevant supplements, including:
Heavy Vehicle Equipment Service or Tow Operator Questionnaire
Owner and mechanic experience overview
Building and lot security details
Motorcycle/Off-Road Supplement (if applicable)
Minimum premium varies depending on risk characteristics and selected coverages.
Territories and Availability
This admitted program is currently available in:
Arizona – Full range of eligible classes
California – Select classes, including repair shops, body shops, mobile repair, and RV/trailer dealers
Why Work With Cochrane & Company
As a trusted Managing General Agency, Cochrane & Company brings decades of experience in specialty insurance markets. Their Dealer & Repair Insurance Program is built with agent needs in mind, offering flexible underwriting, quick turnaround, and access to admitted markets with strong financial backing. Whether you're placing a startup mobile mechanic or a high-volume heavy truck dealer, Cochrane & Company is ready to help you secure the right coverage for your client.
For more information on how to submit a risk or to request a quote, please contact Cochrane & Company today. We look forward to helping you grow your garage-related book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for auto repair shops, body shops, mobile mechanics, RV and trailer dealers, heavy truck service centers, and non-franchised auto dealers—especially those located in Arizona or California.
Is this program available for new business ventures?Yes, new ventures are acceptable. Underwriters will review experience, operations, and security measures as part of the submission process.
What coverages are included in the Garagekeepers portion of the policy?The Garagekeepers coverage includes Legal Liability and Direct Primary options, with limits up to $500,000 aggregate depending on vehicle types.
Are vehicles used in the business eligible to be scheduled?Yes, most vehicles used in the insured’s operations can be scheduled under the policy, subject to underwriting review.
Which documents are required to get a quote?A completed Garage Application is required, along with applicable supplements such as the Heavy Vehicle Equipment or Tow Operator Questionnaire, experience details, and security information.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/PPIBCORP/Hormone-Centers-Insurance/
Professional Program Insurance Brokerage (PPIB) offers: Hormone Centers Insurance.
Overview of the Program from Professional Program Insurance Brokerage (PPIB)
Professional Program Insurance Brokerage (PPIB) provides a specialized Hormone Centers Insurance program designed for providers who deliver hormone therapy, bioidentical hormone replacement, testosterone treatments, and related weight-loss services. As a program administrator, PPIB places accounts through targeted markets and underwriters who understand the clinical and professional exposures of hormone centers, clinics, and independent practitioners.
Ideal Accounts and Appetite
This program is built for a range of outpatient hormone-related operations, including:
Testosterone centers and men’s hormone clinics
BioIdentical Hormone Replacement Therapy (BHRT) providers
Women’s hormone treatment centers
Instructors and educators who teach hormone therapy services
Hormone therapists and clinicians offering outpatient procedures
Weight-loss programs offered in conjunction with hormone therapy
Accounts that fit well are outpatient clinics and small to mid-sized specialty practices with standardized protocols, licensed medical staff, and formal patient consent and record-keeping procedures. Programs are generally intended for clinics and practitioners focusing on medically supervised hormone therapy rather than inpatient surgical facilities.
Coverage Highlights and Advantages
Underwriting focused on clinical exposures common to hormone therapy and weight-loss services.
Solutions designed to address professional liability and general operational risks faced by hormone centers.
Access to underwriters experienced with outpatient medical specialty lines through PPIB’s program administrator relationships.
Flexible submission handling that recognizes different practice models — single-practitioner clinics to multi-provider centers.
Underwriting Notes and Submission Guidance
When submitting to PPIB’s Hormone Centers Insurance program, include clear information about:
Provider licensure and credentialing for clinicians and instructors
Scope of services (e.g., BHRT, testosterone therapy, counseling, weight-loss adjuncts)
Patient consent and charting procedures
Status of any standing orders, collaborative agreements, or physician oversight
Contact PPIB for specific submission requirements, minimum premium thresholds, and any state-specific forms. PPIB will evaluate based on clinical controls, prior loss history, and the overall risk management program.
Territories and Availability
This Hormone Centers Insurance program is available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Note: admitted status is not available in any state; placements are handled on a non-admitted/surplus basis where required.
Why Work with PPIB on Hormone Centers Insurance
Program administrator expertise: PPIB focuses on niche healthcare specialty programs and understands the documentation and underwriting expectations for hormone therapy providers.
Agent support: PPIB works with brokers who need tailored placement options for clinics and individual practitioners.
Practical appetite: The program accepts a variety of outpatient practice models when clinical controls and licensing are in place.
Example accounts that fit
A two-provider clinic offering BHRT and medically supervised weight-loss programs with documented protocols and electronic medical records.
An instructor who runs continuing-education courses on hormone therapy and requires professional liability coverage for teaching and demonstration services.
For submissions, underwriting guidelines, or to request a quote, contact Professional Program Insurance Brokerage (PPIB). Provide full practice information, staff credentials, and sample consent forms to accelerate review.
Frequently Asked Questions
What types of hormone-related practices are a good fit for this program?The program is best for outpatient hormone therapy providers: testosterone clinics, BHRT practices, women’s hormone centers, instructors teaching hormone services, and weight-loss services offered alongside hormone therapy. Practices should have licensed clinicians and clear treatment protocols.
Which states are eligible for placement through PPIB?The Hormone Centers Insurance program is available in AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Admitted placement is not available; coverage is handled on a non-admitted basis where applicable.
What submission documents help speed underwriting?Include clinician licenses, a description of services, sample consent and intake forms, clinical protocols, and loss history. Clear documentation of oversight and recordkeeping reduces follow-up and speeds a quote.
How do I obtain a quote or more program details?Submit a brief application or exposure summary to PPIB with the items listed above. PPIB will review and advise on next steps, required forms, and any state-specific considerations for placement.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/cochrane-and-company/commercial-child-care-and-nursery-school-insurance/
Commercial Child Care and Nursery School Insurance from Cochrane & Company
This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families.
Target Classes and Ideal Accounts
This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include:
Daycares and preschools with structured curriculums
Facilities offering full-day or part-day programs
Programs with on-site playground equipment, meal service, and off-site field trips
Centers employing directors, assistant directors, and licensed staff
Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite.
Common Risks This Program Addresses
Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as:
A child injured while using playground equipment
False accusations of abuse or molestation made by a parent
An employee accidentally spilling hot soup on a child
Emotional distress claims from parents when proper permissions were not obtained
Coverage Highlights
This program offers robust features to give your insureds peace of mind:
Professional Liability included at the General Liability limit at no extra cost
Zero liability deductibles
Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment
Applies to all individuals, on and off premises
Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage
Defense Cost reimbursement for false abuse allegations
Medical Payments coverage automatically included for enrolled students
Hired & Non-Owned Auto Liability available
Expanded definition of Bodily Injury to cover emotional distress and mental anguish
Available Limits and Underwriting Details
Property values up to $3,000,000 in Protection Classes 1–8
Property values up to $1,000,000 in Protection Classes 9–10
Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate
Abuse/Molestation limits up to $1,000,000 / $2,000,000
Excess or Umbrella coverage available up to $5,000,000
Minimum premiums vary depending on the account and coverage needs.
Program Availability
This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations.
Why Work with Cochrane & Company?
Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students.
To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today.
Frequently Asked Questions
What types of child care facilities are eligible for this program?Commercially licensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and appropriate licensing.
Does the program cover abuse or molestation claims?Yes, the program includes Child Molestation and Abuse coverage up to the General Liability limit. It also offers defense cost reimbursement for false allegations.
Are field trip activities covered under this policy?Yes, coverage applies off premises and includes incidents related to field trips, provided proper protocols are followed.
What is the maximum property value accepted?The program accepts property values up to $3,000,000 in Protection Classes 1–8 and up to $1,000,000 in Protection Classes 9–10.
In which states is this program available?This program is available in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY, mostly on an admitted basis.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/PPIBCORP/Labs-and-Clinics-Insurance/
Professional Program Insurance Brokerage (PPIB) offers: Labs and Clinics Insurance.
PPIB’s Labs and Clinics Insurance program delivers specialized coverage solutions for a wide range of medical and testing facilities. Built for independent agents and brokers seeking reliable markets for niche healthcare accounts, this program provides flexible options for laboratories, technicians, clinical directors, and other medical professionals operating in specialized environments.
Ideal Accounts and Target Classes
This program fits a variety of clinical and testing operations, including:
Pathology labs
Clinical microbiology labs
Genetic and molecular testing labs
Clinical biochemistry labs
Hematology labs
Drug and alcohol screening labs
Mobile drug/alcohol testing units
Marijuana testing facilities
Beer & wine testing facilities
Covered professionals commonly include:
Physicians and medical directors
Medical and laboratory technicians
Clinical directors and laboratory managers
Testing facility operators
Example accounts that typically fit: a startup genetic testing clinic seeking professional liability and medical director coverage, or a mobile drug-screening service that needs general liability, equipment protection for its mobile unit, and professional liability for test interpretation.
Coverage Highlights and Advantages
PPIB’s program can be tailored to include a combination of:
General Liability (GL)
Professional Liability / Errors & Omissions (E&O)
Medical Director coverage for oversight responsibilities
Property and equipment coverage where applicable
The program is designed to address exposures common to labs and clinics, such as diagnostic errors, specimen handling and chain-of-custody issues, equipment malfunction, contamination risks, and liabilities tied to the handling and analysis of sensitive biological materials. Coverage structures and limits are flexible to match the operational profile and risk controls of each account.
Underwriting Notes
PPIB places this program on a non-admitted basis in all eligible states. Submissions should include a clear description of services, staffing and credentials, licensure, standard operating procedures, quality control protocols, and any risk-management programs in place (e.g., proficiency testing, chain-of-custody, HIPAA/data handling practices where relevant).
Typical appetite and limitations:
Good fit: diagnostic and testing labs, mobile testing units, and facilities that follow documented QA/QC and licensure requirements.
Limited or excluded: high-containment research labs (BSL-3/4), facilities performing experimental pathogen culture or certain high-risk biological research—these are evaluated case-by-case and often fall outside the program’s appetite.
Minimum premiums are set case-by-case; please include complete submission details to expedite an accurate indication.
Territories and Availability
This non-admitted program is available in the following states and jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC.
Why Work With PPIB?
As a program administrator focused on specialty and hard-to-place markets, Professional Program Insurance Brokerage brings decades of experience placing niche healthcare risks. PPIB offers responsive underwriting, practical flexibility, and access to specialty markets that standard carriers may not serve. Agents and brokers benefit from direct underwriting dialogue and tailored solutions for unique lab and clinic exposures.
Contact Professional Program Insurance Brokerage (PPIB) when you need a market for challenging labs and clinics risks—PPIB can help position accounts that need tailored professional and general liability protection.
Frequently Asked Questions
What types of accounts are a good fit for this Labs and Clinics Insurance program?This program is ideal for diagnostic and clinical testing operations such as pathology, genetic testing, clinical microbiology, drug screening labs, and mobile testing units that follow documented QA/QC and licensure requirements.
Can Medical Directors be included in the coverage?Yes. Coverage can be extended to include Medical Directors for their oversight responsibilities within the lab or clinic setting, subject to underwriting review.
Is this program available on an admitted basis?No. This program is offered on a non-admitted basis in all available states.
What information is needed for underwriting?Submissions should include a full description of services, staff qualifications and licensure, sample volumes and testing types, documented SOPs and QA/QC protocols, and any risk-management practices in place.
In which states is this program available?The Labs and Clinics Insurance program is available in most U.S. states and DC, including CA, FL, TX, NY, and many others listed in the program territory section above.
Need help placing an account? Connect with a market specialist.