Manufacturers of pharmaceuticals and medical devices are on the cutting edge of technology. They are innovators. They think outside the box. They need to be the first to market, ahead of the competition, and know the direction their industry is taking. JAF employs these same principles when formulating insurance programs for pharmaceutical companies. Like your products our policies have proven their efficacy.

We distinguish ourselves by giving customer focused service. We ferret out the weasel language in insurance policies that allow for hidden charges and the denial of claims. We listen to you and create insurance plans that will grow with your company.

We bring value to the transaction of buying insurance through risk management services customized to address the safety and management issues of your industry. We help take charge of your risk control efforts by utilizing tools for work site analysis, hazard prevention and control, and safety training.

Here are just a few of our industry specific coverages:

-                      Grants and endowments can be included in business income coverage

-                      Contract penalties for failure to deliver your products

-                      Research animals can be covered

-                      Extended period of indemnity to include FDA re-certification

-                      Broad Form Additional Insureds

-                      Limited exclusions for product liability

-                      Global extensions

-                      Salesman as additional insureds

-                      Broad definition of products