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. Average client relationship: 11 years. This is not incidental – it is the result of building bespoke coverage that 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 |
| Average Client Relationship | 11 years |
| Dedicated Account Team | Yes — named senior manager |
| Reinsurance Backing | Munich Re / Swiss Re / Hannover Re |
| Coverage Capacity | Up to $500M per policy |
| Languages | EN / DE / FR / ES / RU |
| Claims Resolution | 94% within 30 days |
Our underwriting process is the reason our policies are precise and our claims resolution rate is 94%. 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 Munich Re and / or Swiss Re. 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 process is why our policies are precise and our claims rate is 94%.
A named senior account manager is assigned to every client. Available around the clock for claims initiation, coverage adjustment, strategic review, or regulatory consultation. No call centers.
Corporate advisory and policy documentation available in English, German, French, Spanish, and Russian. Essential for cross-border operations across our 28 licensed jurisdictions.
Industry benchmark is 60–90 days. Our proprietary claims process – built on precise policy terms and pre-authorized reinsurance protocols – resolves 94% of claims within 30 calendar days.
Every policy is reinsured by at least one of the world's three largest reinsurers. This is not a marketing claim – it is a structural requirement of our underwriting model for every policy written.
Pharmaceutical compliance network across all 28 licensed countries. FDA, EMA, WHO, Health Canada, TGA, MHRA – our regulatory advisory team manages jurisdictional complexity as standard practice.
Financial statements independently audited annually by one of Deloitte, KPMG, EY, or PwC. Our capital reserves and claims liabilities are verified to institutional standards every year without exception.
“Our average client has been with us for 11 years. That is not loyalty – that is the result of never giving them a reason to leave.”