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...enters X-ray facilities Laboratory testing (LT) operations Positro...

...es For-profit and non-profit research institutions Medical product distributors and contract research/contract manufacturing organizations...c developers, product testing labs, research institutions and service organiza...

...ed or excluded: high-containment research labs (BSL-3/4), facilities performin...ure or certain high-risk biological research—these are evaluated case-by-case ...

...enters X-ray facilities Laboratory testing (LT) operations Positro...

Veracity Insurance Solutions, LLC offers a focused Allied Health Insurance program that helps agents and brokers place hard-to-insure risks across a broad range of medical, health, and social service sectors. As a Managing General Agency and Excess & Surplus Lines broker, Veracity leverages deep carrier relationships to provide flexible policy structures and competitive terms tailored to each client’s operations and exposures. This program is designed for accounts that often sit outside the appetite of standard markets. Whether you represent a small outpatient clinic, a regional home health agency, a medical spa, or a larger senior care operation, Veracity can help you navigate complex exposures and secure appropriate general liability, professional liability, and property coverages. Target Classes: All miscellaneous medical and healthcare facilities Adult Day Care Centers Urgent Care Clinics Weight Loss and Nutrition Clinics Senior Living with Pull Cord Exposures Halfway Houses and Group Homes Independent and Assisted Living Facilities Medical Spas and Outpatient Facilities Foster and Adoption Agencies Emergency and Non-Emergency Medical Transport Home Health and Hospice Providers Long-Term Care and Intermediate Care Facilities (excludes Skilled Care in AZ, CA, FL, NV) Social Service and Staffing Agencies Coverage Highlights: Available in all 50 states General Liability and Professional Liability options Property insurance availability Sexual Misconduct and Physical Abuse coverage where applicable Medical Practitioner Liability Flexible terms and competitive pricing Minimum premiums vary by class and exposure Why Work With Veracity Insurance Solutions? Veracity is a go-to market for difficult-to-place allied health and medical risks. With access to multiple carriers across admitted and non-admitted markets, our underwriting team tailors solutions to the operation size, services offered, and specific risk profile. We focus on placement solutions for accounts other markets may decline, and we work closely with agents to structure terms that match the insured’s exposures. Typical scenarios that fit well in this program include a regional home health agency expanding into multiple states that needs both general and professional liability, or a new medical spa offering a mix of aesthetic and minimally invasive treatments seeking practitioner liability and premises coverage. These accounts often face licensing, procedure, and staffing-related exposures—Veracity’s carrier access and product flexibility help you manage those challenges. Underwriting and Minimum Premiums Underwriting evaluates each submission to align coverage with the client’s services, staffing, location, and loss history. Minimum premiums vary by class and state; contact Veracity’s underwriting team for specific guidance. We are competitive on accounts that require combined general and professional liability and welcome complex or unique operations for review. Availability This Allied Health program is available nationwide, including Washington, D.C. Because Veracity places business in most available markets, you will typically have options whether you need admitted or surplus lines capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for allied health, medical, and social service operations that are hard to place in standard markets—examples include urgent care clinics, home health agencies, medical spas, group homes, and social service agencies. Can I submit accounts located in any state?Yes. Veracity’s Allied Health program is available in all 50 states, including Washington, D.C. Does this program cover both general and professional liability?Yes. The program offers both general liability and professional liability, and can include optional property coverage and endorsements such as sexual misconduct and physical abuse where appropriate. Are there any states where coverage is limited or restricted?Skilled-care facilities and certain higher-risk skilled nursing operations are not eligible in AZ, CA, FL, and NV. Most other classes are broadly eligible nationwide; specific restrictions depend on carrier appetite and state regulations. What is the minimum premium for this program?Minimum premiums vary by class, state, and exposure. Reach out to Veracity’s underwriting team for class-specific minimums and placement options. Need help placing an account? Connect with a market specialist.

...ties Organ & Sperm Banks Research and Rehabilitation Centers Hard-to...care centers, dialysis clinics, and research labs. Can you work with clients w...

...ing clinical trials, engaging in research and development, or importing produc...panies, including those involved in research, development, and clinical trials...

...anufacturers, and pharmaceutical research and development firms. Overview ...eal risks include: Biotechnology research and development companies Pharm...

Professional Liability for Small Business Consultants Capitol Special Risks offers a focused Small Business Consultants Professional Liability Insurance program built for the exposures consultants face today. Vicarious-liability claims and contract disputes are rising; even careful consultants can be named in suits alleging negligent advice. This program helps you place professional liability protection for small consulting firms so your clients can operate with greater confidence. Ideal Accounts and Risk Appetite This program is intended for independent consultants and small consulting businesses with $1,000,000 or less in gross annual revenue. It targets a broad range of professional consultants, including: Marketing and public relations consultants Management and business strategy consultants HR, organizational development, and talent consultants IT and software consultants (advisory services; non-product vendors) Training, learning, and education consultants Not eligible: This program excludes higher-risk professions such as attorneys, CPAs, real estate consultants, investment/financial advisors, safety consultants, and medical or engineering consultants. Coverage Highlights and Optional Enhancements Capitol Special Risks places a robust core professional-liability form with several optional enhancements commonly requested by your clients: Automatic Additional Insured (A/I) status Contingent Bodily Injury/Property Damage sublimit of $250,000 Defense costs outside the limits (capped at the aggregate policy limit) HIPAA/HITECH breach sublimit of $250,000 50/50 cooperation clause Third-party discrimination coverage Punitive damages coverage where insurable by law Independent contractor coverage These features are designed to protect consultants from the financial fallout of claims tied to advice, professional services, or third-party exposures — including situations where the insured is alleged to have done nothing wrong. Underwriting Considerations and Minimum Premiums The program favors accounts with straightforward or moderate risk profiles. To be eligible, accounts must report $1,000,000 or less in annual revenue. Underwriting evaluates factors such as the consultant’s service lines, contract language, claim history, use of subcontractors, and whether they provide any insured products or financial advice. Minimum premiums vary by risk characteristics and the optional coverages selected. Capitol Special Risks aims for quick underwriting decisions and transparent terms to help you place business efficiently. Available States and Admitted Status This program is available in most states, including CA, TX, FL, NY, IL, GA, and 40+ others. Coverage can be placed on admitted or non-admitted paper depending on state and carrier availability. Why Work With Capitol Special Risks? As a wholesale broker, Capitol Special Risks combines market access with deep E&O and professional-liability experience. Their underwriters understand consulting exposures and work with multiple carriers to deliver competitive solutions. Key service advantages include fast turnaround times and no broker fees, helping you serve clients quickly and keep placement costs competitive. Example accounts that typically fit: a solo HR consultant who provides policy and training guidance to local employers, or a boutique marketing firm that advises clients on campaigns and media strategy. Both have limited revenue, clear scope of services, and need primary professional-liability protection without carrier restrictions tied to higher-risk classes. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service – CA Fire & Casualty Agency – #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Independent consultants and small consulting firms with less than $1,000,000 in gross annual revenue — such as marketing, HR, IT (advisory), and management consultants — are ideal candidates for this program. Are there any professional classes that are not eligible?Yes. The program excludes higher-risk professionals including attorneys, CPAs, real estate consultants, investment advisors, safety consultants, and medical or engineering consultants. What optional coverages are available?Optional enhancements include Additional Insured status, HIPAA/HITECH breach sublimits, third-party discrimination, contingent BI/PD, punitive damages where insurable, and independent contractor coverage. Is this program available in all states?No, but it is available in most states, including CA, TX, FL, NY, and others. Admitted versus non-admitted paper depends on state and carrier options. What is the typical turnaround time for quotes?Capitol Special Risks offers fast turnaround and does not charge broker fees, enabling you to place accounts quickly and cost-effectively. Need help placing an account? Connect with a market specialist.

...sultants Management and Market Research Consultants Medical Billing Servic...