From formulation to end use
Selected life-science and specialty-product businesses may be considered through available specialty markets. Manufacturing, labeling, distribution and intended use each shape the account.
Life Sciences
Products built around health, science and innovation.
Specialty product businesses create exposures from formulation and manufacturing through labeling, distribution and end use. Osprey evaluates selected life-science and specialty-product risks through available specialty markets.
Coverage considerations
See the operation from every angle.
Product & liability
Product Liability
Discuss this coverageLiability associated with products manufactured, distributed or sold.
General Liability
Explore coverageThird-party bodily injury, property damage and liability arising from business operations.
Excess & Umbrella
Explore coverageAdditional liability protection considered alongside the underlying insurance program.
Property & operations
Commercial Property
Explore coverageBuildings, business personal property and interruption exposures at insured locations.
Inland Marine / Equipment
Explore coverageMovable equipment, materials and property away from a fixed business location.
People & mobility
Workers’ Compensation
Explore coverageWorkplace injuries, employee exposures and related statutory obligations.
Commercial Auto
Explore coverageVehicles used for business, driver exposures and liability on the road.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
Osprey aggregate appetite
Find the right starting point.
Commonly considered
- Nutraceuticals
- Dietary supplements
- Cosmetics
- Personal-care products
- Cannabis-related businesses where legally permitted and market-eligible
- Selected specialty manufacturers / distributors
Additional underwriting review
- Ingredients / formulation
- Intended use / labeling
- Regulatory jurisdiction
- Third-party manufacturing
- Adverse events / recalls
- Cannabis extraction / processing / storage / security
These exposures call for closer review; they are not blanket prohibitions.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
What shapes the placement?
The details behind the business.
Product and role
Describe product type, intended use, ingredients, formulation and your manufacturing, importing, distributing or brand-owner role.
Quality and testing
Explain manufacturing controls, quality assurance, testing, outside laboratories and Certificates of Analysis.
Labeling and regulation
Provide labeling controls, regulatory jurisdictions and applicable licenses.
Supply chain
Identify third-party manufacturing, distribution and vendor responsibilities.
Adverse events and recalls
Explain prior complaints, adverse events, recalls and claims, together with response procedures.
Cannabis-related operations
Where legally permitted and market-eligible, describe operation type, extraction, processing, testing, storage and security.
What we need
What we’ll need to review the account
You do not need every item before contacting us. Complete information helps us route the account to the most appropriate market without unnecessary follow-up. Requirements vary by coverage and selected market.
Start with these
- FACTNamed insured
- FACTBusiness description
- FACTRequested coverage / effective date
- FACTProduct categories
- FACTManufacturer / distributor / importer / brand-owner role
- FACTAnnual sales
- FACTLocations
- FACTCurrent / prior insurance
- LOSS INFORMATIONCurrently valued loss information
Add when applicable
- SUPPLEMENTALProducts Liability supplemental
- FACTComplete product list
- FACTRevenue by product
- DOCUMENTProduct labels
- FACTIngredient lists
- FACTManufacturing locations
- CONTRACTThird-party manufacturer agreements
- FACTCountries of manufacture
- FACTQuality-control procedures
- FACTGMP information
- FACTTesting procedures
- DOCUMENTCertificates of Analysis
- FACTOutside-lab information
- FACTRecall procedure
- FACTRecall history
- FACTPrior adverse-event / product-complaint information
- FACTVendor / supplier information
- FACTDistribution territory
- DOCUMENTRegulatory licenses
- DOCUMENTCannabis licenses where applicable
- FACTextraction / processing details
- SCHEDULEproperty SOV
- DOCUMENTunderlying policies for excess review
Provide sensitive identifiers and driver information only through the designated secure intake workflow. Do not email driver-license numbers.
Submission intelligence
Give the account a clearer story.
Provide product and ingredient information
Organize a complete product list with labels, ingredients, intended use and revenue by product.
Explain manufacturing and testing
Identify manufacturing locations, third-party agreements, quality controls, outside labs and Certificates of Analysis.
Include labeling and recall procedures
Provide labeling controls, recall procedures and relevant prior complaints or adverse events.
Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Access requires an active approved agency relationship and an authorized producer profile. Detailed reference access is being prepared. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- 🔒 Approved broker access
- Eligible states / territory
- 🔒 Approved broker access
- Limits / capacity
- 🔒 Approved broker access
- Key underwriting considerations
- 🔒 Approved broker access
- Available programs
- 🔒 Approved broker access
- Required submission documents
- 🔒 Approved broker access
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.