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... Contractor's Liquidated Damages Warranty restriction Additional Insured C...

Veracity Insurance Solutions, LLC offers a focused Medical Equipment Product Liability Insurance program specifically designed for companies that manufacture, sell, service, or repair medical devices used in hospitals and other healthcare settings. Our underwriting team understands device risk, including Class III invasive devices, and works with a panel of multiple carriers to place accounts that can be difficult to insure in the standard market. Partner with Veracity to simplify placement and give your clients robust product liability protection tailored to medical device exposures. Target Classes • Anesthesia equipment • Bypass equipment • Catheterization lab and diathermy equipment • Cobalt therapy units • CT scanners • Defibrillators • Dialysis equipment • Electrophoretic equipment • Endoscopes • Film processing equipment • Life support and ventilation equipment • Linear accelerators • MRI scanners • Neonatal incubators & warmers • Ophthalmic lasers • Pacemakers • Radiographic equipment • Sterilizer and washing equipment • Surgical laser equipment • Surgical tables and lights • Telemetry equipment • Therapeutic X-ray equipment • Transcutaneous electrical nerve stimulation (TENS) equipment Program Highlights • Medical Professional (MP) deductible: $1,000 • Claims-made and occurrence forms available • No general liability deductible (on available forms) • Additional insured endorsements available • Employee benefits liability available • Limited professional liability included • Hired/non-owned auto and inland marine available • Limits up to $5 million (subject to underwriting) Overview for Agents and Brokers Veracity’s Medical Equipment Product Liability Insurance program is aimed at wholesale placement through agents and brokers. We combine targeted underwriting, flexible policy options (claims-made and occurrence), and access to admitted and non-admitted markets to secure terms for a wide range of medical device risks. Our team evaluates design, manufacturing, repair/service operations, distribution channels, and product use environments so you can present a complete submission. Ideal Accounts and Appetite Manufacturers and assemblers of hospital-grade medical devices, including some Class III invasive devices. Distributors, importers, and resellers of diagnostic and therapeutic equipment. Companies that provide repair, refurbishment, or servicing of medical devices used in clinical settings. Accounts with documented quality control, FDA/regulated-device history, and formal service procedures typically receive the most competitive consideration. Risks with ongoing recall activity, habitual regulatory enforcement, or undeclared device classifications may be declined or require specialized terms. Underwriting Notes and Minimum Premiums Underwriting focuses on product complexity, intended use, annual revenue from medical device operations, distribution territories, and loss history. Minimum premium varies by carrier and state. Veracity places with multiple carriers and can consider both admitted and excess & surplus solutions depending on appetite and exposures. Territories and Availability This program is available in the following states and territories: 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, WY. Admitted status: All Available Markets; Veracity operates as a Managing General Agency and Excess & Surplus Lines Broker to secure the best fit for each account. Why Work With Veracity Insurance Solutions, LLC As a specialty MGA and E&S broker, Veracity offers underwriters with device-specific expertise and placement flexibility across admitted and surplus markets. We streamline submissions and provide access to additional coverages (inland marine, hired/non-owned auto, employee benefits liability) so you can assemble comprehensive packages for your clients. Our focus on medical device product liability helps you place technically complex accounts that standard markets may decline. Example Account Scenarios You might have a client that manufactures hospital ventilators with documented ISO processes and routine service contracts — this program can consider product and limited professional liability with higher limits and tailored endorsements. Or you may represent a regional service provider that refurbishes and repairs diagnostic imaging equipment for hospitals — Veracity can evaluate inland marine options for equipment in transit and product liability for repaired units. For more information, contact us at 1-866-395-1308. Frequently Asked Questions What types of medical device accounts are the best fit for this Veracity program?Accounts that manufacture, distribute, sell, or service hospital-grade devices—especially those with documented quality systems, clear service procedures, and manageable loss histories—are the best fit. We also consider repair and refurbishment operations when controls and warranties are in place. Does Veracity write Class III invasive devices?Yes. Our underwriting appetite includes some Class III invasive medical devices, but acceptance depends on device classification history, regulatory oversight, product documentation, and loss exposure. Provide detailed device and regulatory information with your submission. Are both claims-made and occurrence forms available?Yes. The program can offer both claims-made and occurrence forms depending on carrier availability and the specifics of the account. What additional coverages can be packaged with product liability?Veracity can place additional insured endorsements, limited professional liability, employee benefits liability, hired/non-owned auto, and inland marine coverage where appropriate and subject to underwriting. Need help placing an account? Connect with a market specialist.

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...ium up or down Subcontractor Warranty to protect named insureds when subco...r this program?Yes. A Subcontractor Warranty is available to protect the named...

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Cochrane & Company's Dwelling Fire Insurance program is designed to help independent agents and brokers find reliable coverage solutions for residential dwellings that may fall outside the scope of traditional homeowners markets. Whether you're placing business for owner-occupied, tenant-occupied, seasonal, or vacant properties, our flexible underwriting and broad appetite can help you serve a wide range of client needs. Ideal Accounts and Appetite This program is well-suited for one-to-four family residential dwellings, including: Owner-occupied or tenant-occupied properties Vacant dwellings Seasonal or secondary homes Properties undergoing renovations or construction (Builders Risk/Course of Construction) Dwellings with low or high property values Properties in unprotected areas (e.g., limited fire protection) We also accept hard-to-place risks that may not qualify for standard markets. For example, you might have a client with a vacant rental property in a rural area or a landlord with multiple tenant-occupied units—both could be a great fit for our Dwelling Fire Insurance solution. Coverage Highlights and Advantages Our program offers customizable coverage options tailored to your insured’s needs. Available coverages include: Fire and Extended Coverage Vandalism & Malicious Mischief Burglary Fair Rental Value Additional Living Expense DP-1 and DP-3 Forms Premises Liability Optional Personal Liability (including day care for up to five children) Monoline Liability or Monoline Property Residential Vacant Land – Monoline Liability Medical Payments Unit Owner’s Coverage for Condominiums This flexibility allows you to design a policy that meets the specific exposures of each property, making it easier to place challenging accounts. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. Our team works with you to find solutions for unique and non-standard risks. We focus on underwriting flexibility to help you place accounts that don’t fit in the traditional market. Territories and Availability This program is currently available in the following states: AK, CA, ID, MT, NM, ND, OR, WA, and WY. Please note that not all coverages are available in every state—reach out to our team for state-specific eligibility and coverage details. Why Work With Cochrane & Company? Cochrane & Company is a trusted Managing General Agency offering specialized insurance solutions for unique and hard-to-place residential property risks. With access to a variety of carriers and a focus on customized underwriting, we provide responsive service and a strong market for agents who need alternatives to admitted homeowners programs. Let us help you find a home for your tough-to-place dwelling fire risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-to-four family dwellings, including vacant homes, seasonal properties, and tenant-occupied rentals—especially those that fall outside standard underwriting guidelines. Can I submit risks that are under renovation or construction?Yes, our Dwelling Fire Insurance program accepts Builders Risk and Course of Construction exposures, including properties undergoing renovations. Is this program available in all states?No, it is currently available in AK, CA, ID, MT, NM, ND, OR, WA, and WY. Coverage availability may vary by state. What liability options are available?We offer Premises Liability and optional Personal Liability, including coverage for in-home daycare operations for up to five children. Are monoline options available?Yes, both Monoline Liability and Monoline Property policies are available, providing additional flexibility for unique accounts. Need help placing an account? Connect with a market specialist.

Public Company Directors & Officers Insurance (D&O) Are your clients protected with the right Directors & Officers (D&O) insurance? Whether you represent a public company, private business, or nonprofit, Tennant Risk Services provides market access and underwriting expertise to place D&O coverage tailored to each client’s exposures. Tennant Risk Services is a Managing General Agency and Excess & Surplus Lines Broker focused on D&O across a broad range of industries and organizational structures. We work with retail agents and brokers to secure competitive terms and quick turnaround from top-tier carriers. Coverage is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the risk and market. Classes We Serve: Public companies Private companies Nonprofit organizations Associations & unions Companies preparing for IPOs Limited and other partnerships Trusts and trustees Special Coverage Options: Side A Excess Individual directorship coverage We routinely handle complex or challenging accounts, including: Accounts with adverse loss history Unique or layered financial structures Financially distressed companies Crowdfunding or pre-IPO ventures Recapitalizations and M&A exposures Public officials and quasi-governmental entities Reps & warranties liability considerations Coverage Highlights: Access to multiple carrier markets for competitive terms Flexible limits, attachment points, and deductible options Separate limits available for specific exposures (e.g., Side A) Risk management support and loss-control guidance for insureds Sample D&O Placements: Private Company – Specialty Equipment Rental: $1M Limit / $8,000 Premium Public Company – Biopharmaceutical Research: $5M Limit / $83,000 Premium Non-Profit – Recreational Association: $1M Limit / $1,000 Premium Private Company – Equipment Distributor: $5M Limit / $12,000 Premium Territories & Market Access: We can place D&O coverage in all 50 states and Washington, DC. Tennant has access to both admitted and non-admitted markets; the best option depends on the account’s profile, state requirements, and carrier appetites. Underwriting Notes & Minimum Premiums: Tennant works with multiple carriers, so minimum premiums and eligibility vary by market. Provide complete submission details—financials, current D&O program wording, loss run history, and a summary of any special exposures—to help us target the right markets and pricing quickly. Typical Accounts That Fit This Program Public companies seeking primary or excess D&O capacity Private firms with growth, M&A, or recapitalization plans Startups and pre-IPO companies needing IPO-tailored solutions Nonprofits, associations, and trustees with fiduciary exposures Tough placements—prior losses, distressed balance sheets, or complex financial arrangements Why Work with Tennant Risk Services? Tennant supports retail brokers with specialty underwriting knowledge, broad market relationships, and responsive service. We prioritize efficient submissions, timely feedback, and practical placement strategies—especially for difficult or high-exposure D&O risks. Use Tennant to broaden your market access and improve terms for standard or complex D&O accounts. For questions, submissions, or to discuss a client situation, please call or email us. We look forward to working with you! Frequently Asked Questions What types of accounts are a good fit for this D&O program?We work with public companies, private businesses, nonprofits, associations, trustees, and more—including tougher accounts such as financially distressed companies or those with prior losses. Can Tennant Risk Services help with D&O coverage for startups or IPOs?Yes. We offer solutions for startups, companies preparing for an IPO, and entities involved in crowdfunding or complex financial structures. Which states is this D&O program available in?This program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options depending on the carrier and the account. Do you offer Side A D&O or individual director coverage?Yes. We can place Side A Excess coverage and individual directorship coverage when appropriate for the client. What is the minimum premium for this program?Minimum premiums vary by carrier and account specifics. We work across multiple markets to identify competitive minimums for each submission. Need help placing an account? Connect with a market specialist.