We do not write retail insurance. We do not serve individuals. Every policy we underwrite is for a legally registered corporation with defined healthcare or pharmaceutical operations.
Minimum annual premium: $25,000. Long-term client relationships — the result of bespoke coverage clients have no incentive to leave.
B2B exclusivity is not a market restriction – it is a service commitment. By focusing entirely on corporate accounts, we have developed underwriting expertise, claims infrastructure, and regulatory capacity that no general-market insurer can replicate. Our underwriters know medical enterprise risk. Not in theory. In 40 years of active policy management.
When a corporation requires coverage of this complexity, they deserve specialists who have spent decades solving exactly these problems – not generalists who have adapted.
| Parameter | J.D. Standard |
|---|---|
| Client Type | B2B Corporate only |
| Minimum Annual Premium | $25,000 / year |
| Client Relationships | Long-term, multi-year engagements |
| Account Team | Named senior manager |
| Reinsurance Relationships | Established with select global partners |
| Coverage Capacity | High-capacity policies for enterprise clients |
| Language Inquiries | Multi-language welcome |
| Claims | Broker advocacy from first notice to resolution |
Our placement and coverage-design process is why policies structured through our firm are precise and coverage matches the risk profile. We do not estimate risk – we measure it.
Corporate profile review. Jurisdiction mapping. Coverage objectives defined. Reinsurance capacity pre-screened.
Facility inspection and operational audit for major accounts. Our underwriters assess physical risk directly, not via questionnaire alone.
Comprehensive identification of all exposure areas: malpractice, cyber, property, business interruption, pharmaceutical, regulatory, and cross-border.
Risk appetite review with the underwriting carrier and, where applicable, reinsurance partners. Large or complex accounts require reinsurer pre-approval before binding.
Custom terms drafted for client-specific needs. No template policies. Every line of coverage reflects the actual risk profile assessed in Steps 1–4.
Policy signed by senior underwriter. Reinsurance confirmation received. Client receives bound document with full coverage schedule and dedicated account manager assignment.
● This is why policies structured through our firm are precise and coverage matches the risk profile.
A named senior account manager is assigned to every client and remains the single point of contact for coverage questions, policy adjustments, and claims coordination throughout the relationship. No call centers.
Corporate inquiries are accepted in multiple languages and routed to the account manager best positioned to assist. We coordinate coverage across multiple international jurisdictions when the underlying carrier programme allows.
We advocate for policyholders throughout the claims process – reviewing coverage applicability, coordinating with the carrier's claims team, and ensuring settlement offers reflect full policy entitlement. Claims are administered by the underlying carrier under the terms of your policy.
We maintain relationships with select global reinsurance partners to support capacity and coverage depth. Specific reinsurance arrangements applying to any given policy are determined by the underlying carrier programme and disclosed in the coverage documentation.
Pharmaceutical compliance network across our licensed jurisdictions. FDA, EMA, WHO, Health Canada, TGA, MHRA – our regulatory advisory network manages jurisdictional complexity as standard practice.
Financial statements independently audited annually by a qualified accounting firm. Full audited statements are available under NDA to prospective enterprise clients.
“Our clients stay with us long-term. That is not loyalty – it is the result of never giving them a reason to leave.”