Primary Casualty

Medical and Dental Products Liability

The Casualty Division offers specialized coverage designed for the Medical and Dental products manufacturing industry.

Coverages Offered

  • Commercial General Liability and Products / Completed Operations Liability
  • Occurrence and Claims-Made coverage form options, based on the hazards involved
  • Options for Defense Outside and Inside the Limits
  • First Dollar Coverage, Small to Moderate Deductibles, SIRs Will consider ground up coverage with no deductible
  • Plus Coverage Endorsement including Additional Insured(s)—Automatic status when required in writing in a contract or agreement: Vendors, trade Events, Managers or Lessors of Premises, Mortgage, Assignee or Receiver, Lessors of Leased Equipment, and more
  • Offered on a non-admitted basis only

Risk Appetite

  • Revenue between $250,000 and $25,000,000
    • Start-up Operations and New Ventures
    • Discontinued Products / Operations
    • IBNR Coverage

Eligible Exposures

  • Medical and Dental Equipment and Supplies
  • Diagnostic and Treatment Machines and Devices
  • Surgical Instruments and Expendable Products
  • Monitoring Equipment and Devices
  • X-Ray, MRI and Radiation Devices
  • Orthopedic or Ambulatory Devices
  • Invasive and Non-Invasive Products

Ineligible Exposures

  • Permanently Implantable Products
  • Pharmaceutical (Separate program available from General Star)

Limits Available

  • General Liability
    • $2,000,000 per Occurrence
    • $4,000,000 General Aggregate
  • Product Liability
    • $2,000,000 per Occurrence
    • $4,000,000 Products / Completed Operations Aggregate
  • Limited Product Withdrawal Expense Coverage
    • Option of $100,000 and $250,000 each withdrawal / aggregate
  • Up to $5,000,000 in Excess limits available

Submission Requirements

  • General Star or other Products Application, signed by the applicant
  • Currently valued carrier loss information (not older than 90 days) for a minimum of five years including descriptions of all claims
  • Complete product brochure or website