QSR has worked with many specialty carriers for decades that provide tailored solutions to the Life Sciences industry. We work with specialist underwriters, loss control engineers and claims departments to cover the unique exposures faces by life sciences companies. The sector encompasses an array of different businesses that require bespoke coverage development.

We insure companies operating in many capacities of the life sciences field, including:


Medical device equipment manufacturers and importers:

*Diagnostic, imaging and monitoring equipment

*Surgical & therapeutic devices

*Radiation emitting devices

*Implants & prostheses


Life Sciences Software Technology products:

*Medical device software companies

*Health Informatics

*Research software companies

*Statistical and data management consulting


Drugs & biologics manufacturers:

*Blood and blood components/derivatives

*Dietary supplements

*Medically prescribed dietary foods

*Viruses, serums, vaccines, antitoxins to be used for disease prevention, treatment or cure


Healthcare Products Development:

*Clinical Trials

*Clinical Research Organizations

*Contract Manufacturers

*Life Sciences products distributors and logistics

*Life Sciences products “packagers”

*Research Labs

For more than 40 years, QSR has helped brokers to protect their client’s assets with Umbrella Liability insurance. With access to all the major markets, QSR can help you to structure an excess liability program that provides financial protection against catastrophic losses.

QSR provides solutions for the unique and difficult to place accounts, as well as excess umbrella limits for those accounts that seek higher capacity. Our ability and reputation for writing Umbrella coverage for primary as well as excess limits is unsurpassed in the specialty lines industry.
From the small “main street” business owner to the large residential contracting firm, primary or excess, QSR has the solution.

Don’t allow your clients to be jeopardized by a catastrophic General Liability or Auto Liability claim… contact Quaker Special Risk.

Examples of classes we write:

Umbrella/Excess Liability

• Lead & excess
• “A” rated carriers
• All classes listed in Special Risk
• All items listed in the General Liability table

Other Coverage’s included in most policy forms:

  • Apartment Complexes
  • Commercial &Residential
  • Contractors Equipment Rentals
  • Habitational
  • Hotels
  • “Main Street” business
  • Non-profit organizations
  • Offices
  • Owners Interest – construction
  • Public Entities
  • Real Estate Management
  • Restaurants
  • Self Storage Facilities
  • Strip Malls
  • Trade Contractors
  • Wholesalers/Distributors/Importers
  • Manufacturing:Amusement Devices, Auto Parts,Chemicals, Toys, Medical Devices, Pharmaceuticals, Safety Equipment, Cosmetics, Industrial Equipment

Our newest division specializes in hard to place Commercial Auto for risks that can not find coverage in the standard market. Some common account characteristics are new entities, driver issues, truck accounts, recent shock losses, or unique risks. We are not able to write any Public Auto.

Quaker Special Risk writes with a couple of carriers to provide nationwide capability on accounts of all fleet sizes; however, risks operating in a radius over 200 miles and with a fleet size under ten power units, is limited to New Jersey and New York.

You may also refer to our Environmental Division where several of our carriers offer an auto policy as an additional coverage option when writing the environmental liability.

To submit a piece of new business, please provide us with the following:

  • Completed Acord 125, 127 and 137 applications
  • 5 years currently valued loss runs
  • MVRs for all drivers
  • Target premium

A sample of some classes we write:

Targeted Classes of Commercial Auto

  • Dump Trucks
  • Car Carriers
  • Wholesalers & Manufacturers
  • Caterers
  • Logging
  • House Movers
  • Fuel Oil Haulers
  • LPG, Butane & Propane Transporters
  • Tow Trucks
  • Trucks – NOC
  • Food Delivery
  • Mobile Concession
  • Mobile Home Transporters
  • Moving Operations
  • Gasoline, Diesel Fuel,  Airplane Fuel Transporters
  • Courier Service

Classes Available in NY Only

  • Driver Training Auto
  • Salesperson
  • Pizza & Fast Food Delivery (other than large franchises)
  • Visiting Nurse, Home Health Care & Other Traveling Medical Professionals
  • Medical Transportation, Medi-Van or Non-Emergency Ambulance
  • Emergency Ambulance Privately Owned/Commercial or Other Than Privately Owned
  • Mobile Health Clinic & Bloodmobiles


The Tougher, The Better…” At QSR we welcome the most difficult to place accounts that are typically shunned by the traditional markets. For either domestic or foreign exposures, our professional, experienced staff, combined with our knowledge of the marketplace, and access to all of the major insurers makes QSR a leader in writing tough to place accounts.

Products Liability Department

From manufacturers of industrial machinery, amusement devices, toys and juvenile goods, vitamins, chemicals, sporting goods QSR is the leader in placing difficult to write tough  Products Liability business.

  • Abrasive materials
  • Access control systems
  • Air breathing equipment
  • Animal medicine
  • Anti-lock brakes
  • Athletic equipment
  • Candles
  • Chemicals
  • Construction equipment
  • Cosmetics
  • Custom bullet-proof vests
  • Diabetic monitors
  • Fertilizers
  • Firearms
  • Fireworks
  • Fluid purification systems
  • Furnaces
  • Hair / scalp dandruff spray
  • Hair replacement systems
  • Health foods
  • Janitorial supplies
  • Medical devices
  • Nutritional supplements
  • Paints
  • Pharmaceutical products
  • Playground equipment
  • Rail cars
  • Roof coatings
  • Soaps
  • Suncare products
  • Surgical equipment
  • Tear gas
  • Tick insecticide
  • Tires
  • Toys
  • Underground storage tanks
  • Underwater propulsion equipment
  • Vitamins
  • Yachts


From manufacturers of industrial machinery, amusement devices, toys and juvenile goods, to vitamins, chemicals, and sporting goods, QSR is the leader in placing difficult to write, tough Products Liability accounts.

International Department

Today’s technology, travel, and instantaneous communications make the world a much smaller place to conduct business in. This fast-paced society can create gaps in your client’s insurance coverage and a “domestic only” approach to an insurance program may not be sufficient. Make certain that your clients international business exposures are adequately covered. QSR represents “A” rated markets for Exporters, Importers, and Service Firms with operations abroad.

Do you know if your client or any of his officers or key employees travel abroad as part of their business? You should!

The world is shrinking and your client may have foreign exposures that are not adequately addressed by their domestic insurance program. Don’t put your E & O on the line by relying solely on a limited “worldwide endorsement” of a domestic carrier.

QSR has the expertise to assist you in both areas. Cover the gaps in your Insured’s overseas exposures with an International Package Policy.

  • Foreign CGL including Products
  • International Auto Liability
  • Foreign Voluntary Workers Compensation / Repatriation
  • Kidnap and Ransom
  • International Property
  • Ocean Cargo
  • Blanket Accident
  • Contingent Business Interruption
  • Worldwide E & O
  • Defense Based Act Coverage

Minimum premiums start at $2,500

Liquor Law Liability

Depending upon the laws of your state, your client may be held liable for the actions of intoxicated or underage persons that you serve. Whether it’s a bar, restaurant, adult entertainment club, country club, bowling alley, or any other establishment that serves alcoholic beverages your client needs the protection of an A++ rated insurer. Coverage may be written as a mono-line policy or included as part of a package policy.

For additional information contact your QSR underwriter

Product Features
  • Bars, Taverns, Adult Entertainment Clubs, Nightclubs
  • Restaurants
  • Banquet Facilities
  • Country Clubs, Private & Fraternal Clubs
  • Retail Stores, Retail and Wholesale Distributors
  • Unique operations such as: Off-premise caterers, Concessionaires, Breweries, Vineyards & Importers
Eligible Classes
  • Broad appetite for virtually all classes of small to medium sized risks
  • Credits available for responsible vendors with a formal third party server awareness training program
  • Defense costs are outside the limit of liability
  • No deductible
  • Assault & Battery coverage available in most states
  • Limits up to $1,000,000 / $2,000,000 available

Inland & Ocean Marine

Experience and a professional work ethic has resulted in this division’s ability to attract the major “admitted” and “non-admitted” company markets over the years. We have the expertise to ask the right questions and can quickly determine if the account fits our binding facility, or if the risk should be forwarded to one of our brokerage carriers. The key to success is that QSR will deliver a quick response and work with you to meet your clients needs ensuring that your client receives a timely, competitive, professional response.

Inland & Ocean Marine

  • Accounts receivable
  • Boat dealers
  • Builders risk
  • Broadcasters, cable equipment
  • Contractors equipment
  • DIC
  • Electronic data processing
  • Jewelry, furs, fine arts
  • Marinas/packages
  • Mini-computer coverages
  • Miscellaneous floater policies
  • Motor truck cargo
  • MOLL
  • M.O.P.
  • Ocean cargo
  • Ocean Marine
  • Passenger-carrying
  • P&I
  • Select business property
  • Transportation
  • Valuable papers
  • Warehouse-to-warehouse
  • Wharfs, piers, docks
  • Workman’s legal liability

Auto Physical Damage

  • Commercial-long haul, intermediate, local
  • Dealers open lot
  • High-value private passenger vehicles
  • Limousines
  • Motor truck cargo (ICC & PUC filings)
  • Trip transit coverage
  • Valet parking service

While the USA continues to grow as a “service oriented” nation, so do the needs of this burgeoning business sector. In order to meet the ever increasing demands of our clients, QSR, an industry leader in professional liability insurance since 1960, has establishedQuakerPRO, a specialty division of Quaker Special Risk, that was designed to handle the unique opportunities presented by the professional services community.

From “A”uctioneers to “Z”oologists, QuakerPRO, provides a wide array of specialty lines policy products to encompass all of your client’s needs.

QSR can deliver a policy to cover an individual liability exposure (such as professional) or structure a policy to provide multiple coverages (MPL, D&O, EPLI, Fiduciary), all in the same contract, with a separate policy aggregate available for each coverage part.

QuakerPRO… delivering innovative solutions for your client’s professional needs.

  • Accountants/bookkeepers
  • Adjusters, claims
  • Administrators
  • Adoption agencies
  • Alarm monitoring
  • Alcohol / drug rehab center
  • Ambulance service /EMT
  • Animal grooming
  • Architects/Engineers
  • Answering service
  • Appraiser
  • Association-Special E&O
  • Auctioneers
  • Beauty schools / barbers
  • Bio Tech Companies
  • Cemeteries
  • Chambers of Commerce
  • Chapter 11 restructuring
  • Charities
  • Civic organizations
  • Clergy
  • Collection agencies
  • Computer consultants
  • Condominium associations
  • Consultants
  • Convalescent / Nursing Homes
  • Cooperatives
  • Counselors
  • County clerks
  • Country clubs
  • Court reporters
  • Credit bureaus
  • Customs / freight broker
  • Dialysis centers
  • Dietitians / nutritionists
  • Druggists
  • Ear piercing studios
  • Employment agencies
  • Employment practices
  • Escrow Services
  • Executive search firms
  • Exercise / health studios
  • Financial Institutions
  • Foundations
  • Fraternal organizations
  • Funeral directors
  • Geologists
  • Government organizations
  • Graphic designers
  • Halfway houses
  • Hearing aid centers
  • High tech companies
  • Home Health Care Agencies
  • Homeowners associations
  • Hospitals/HMOs
  • Initial Public Offerings
  • Inspectors-home, radon, etc.
  • Insurance agents / brokers
  • Insurance companies
  • Internet Service Providers
  • Interior decorators
  • Investment advisors
  • Karate/martial arts studios
  • Laboratories-clinical, testing
  • Landscapers
  • Lawyers
  • Mailing services
  • Medi-spas
  • Mental health clinics
  • Messenger services
  • Mobile
  • Mortgage brokers / bankers
  • Multiple Listing Services
  • Notary public
  • Nurses/homemakers
  • Nurses, visiting
  • Opticians
  • Outpatient clinics
  • Paralegals
  • Personnel evaluations
  • Photographers
  • Physical therapy centers
  • Physicians
  • Printers/binderies
  • Private schools
  • Property Development Co.
  • Psychologists
  • Publishers & graphic arts
  • Real estate agents/brokers
  • Research organizations
  • Schools-vocational
  • Secretarial services
  • Social services agencies
  • Software developers/programmers
  • Sports leagues
  • Surveyors-land-marine
  • Swimming instructors
  • Telecommunication consultants
  • Therapy centers
  • Title abstractors
  • Title Agents
  • Trade associations
  • Transcription services
  • Travel agents/tour operators
  • Veterinarians
  • Web site developers
  • Youth services

Directors and Officers

Have you offered it to your clients? To protect your own liability as a professional insurance agent / broker we suggest that this is something you address with every client; every one of your commercial customers, LARGE or SMALL, public or private, for profit or non-profit… all have potential liability!!

Consider these origins of D&O suits…

So, whether your client is a,

  • Privately Held Corporation
  • Emerging Growth Company
  • IPO
  • Corporation in Transition
  • Acquisitions
  • Divestitures
  • Biotech
  • High Tech
  • Chapter 11 Reorganizations
  • Start-Up
  • Companies with poor D&O Claims History
  • Merger
  • Companies with Restructured Boards


QuakerPRO has the expertise and the markets to deliver the latest policy coverages to adequately address your clients Directors & Officers exposures.

Remember, no account is too small or too large to purchase this valuable coverage. At QuakerPRO we represent insurers that provide cutting edge forms, financial stability, and a limits capacity that is virtually unlimited.

QuakerPRO… delivering innovative solutions for your client’s professional needs.

Quaker Personal Insurance Solutions provides a wide array of admitted and non-admitted solutions for your affluent personal lines clients.  From the coastal secondary to the mountain escape, QSR can craft a solution to your most challenging personal insurance risk.

Establishing a relationship with QSR is critical to the growth and retention of your Personal Lines Department. QSR has long standing relationships with admitted and non-admitted carriers who cater to the unique needs of your most valued clients.

Coverage Solutions

  • Builders Risk-Coastal and Non-Coastal
  • Celebrity Liability
  • Cobra Zone Flood
  • Excess Flood
  • High Limit Liability
  • Homeowners-Admitted and Non-Admitted
  • PC-9 and PC-10
  • Stand Alone Umbrella
  • Wind and Excess Wind

What We Write


Quaker is a provider of homeowners coverage offered through an “A++” rated carriers writing both coastal and high valued inland homes. The product is offered on an ISO HO-3 and HO-6 form in CT, FL, MA, NC, NJ, NY and SC including coverage for the peril of wind for primary, seasonal and secondary homes.

Personal Excess

We offer programs that can provide personal excess and personal umbrella limits up to $25,000,000 attaching over $300,000 CPL and $250/500/100 for Automobile.

Excess Flood

We have an in house binding facility providing excess flood for commercial as well as personal accounts up to $5,000,000 excess of the NFIP and standard carriers. Higher limits are available upon request.

Wind Deductible Buy Back

Quaker underwrites a program specifically geared to reducing the wind and hail deductibles of your personal lines clients that have high wind/hail deductibles due to both location and/or loss experience.

Personal Liability
  • Builders Risk
  • Vacant Dwellings
  • Rental properties
  • Personal Articles Floaters (incl. jewelry, furs, fine arts and more)

High value yachts require a special kind of insurance & a special kind of underwriting; QSR has the markets and the underwriting knowledge to meet those special needs. We provide access to the marketplace for everything from a 40′ yacht moored full time in Florida to the 300′ yacht traveling the oceans of the world. Let QSR’s market relationships and underwriting expertise help you build your clients yacht policy.

Agreed Value

Amount received when a yacht suffers a total loss.

Liability (P&I)

Pays for damage done to another yacht or injury to another party suffered as a result of ownership or use of a yacht.

Crew Compensation

Coverage’s such as Jones Act and Federal Longshoremen’s and Harbor Workers Compensation Act.

Medical Payments

Covering incidental medical expenses.

Personal Effects

Replacement coverage for property that is brought on and off the yacht.

Navigational Limits

Extended limits to include Bahamas, Caribbean, Mediterranean, and Worldwide coverage.

Other Coverages included in most policy forms:

  • Charter
  • Electronic Navigational Equipment
  • Emergency Towing & Service
  • Fine Art
  • Firearms
  • Fishing Tackle
  • Marine Environmental Damage
  • Personal Watercraft
  • Precautionary Measures
  • Search & Rescue
  • Substitute Watercraft
  • Tenders
  • Uninsured Boaters


With today’s revolutionary medical advances more services are provided outside of the typical hospital setting by both physicians and non-physician practitioners. This trend has produced an ever increasing number of new careers in the healthcare sector. The rapidly growing medical opportunities include a wide range of disciplines that includes physicians, medical spas, laboratories, surgical centers, clinics, dialysis centers, medical staffing agencies and many more.

These new opportunities also present a higher risk of exposure and liability. More than ever, physicians and healthcare organizations need to protect themselves against these rising exposures with quality Professional Liability insurances.

QSR delivers innovative solutions to meet these ever increasing demands. Our longstanding partnerships with several “A” rated carriers can help you to provide the correct coverage for your client’s needs.

Let QSR help you keep pace with the ever increasing needs of the professionals in the world of healthcare technology. At QSR you can count on our dedication and specialty resources to help you explore the best insurance coverage options while delivering competitive premiums and unsurpassed service.

Expanded governmental regulation of environmental impact activities has created significant insurance needs where none previously existed.

In response to these dynamics of the marketplace Quaker Agency, Inc., created Quaker Environmental, a special division dedicated to providing solutions for all types of environmental exposures.

Quaker Environmental has direct access to the majority of the companies writing coverage for the different forms of environmental risk. A few of our markets also offer a product that combines General Liability, Pollution Liability, and Professional Liability in a single policy contract. Occurrence form coverage is available.

Examples of what we write include the following. For additional information click links.

Examples of classes that we write:

Environmental Contractors

  • Asbestos abatement
  • Landfills
  • Lead Abatement
  • Remedial action
  • Removal / installation / testing / repair
  • Specific job needs
  • Tightness testing
  • Underground storage tanks (UST’s)
  • Waste transporters

Contractors Pollution Liability Policy

  • Claims Made and Occurrence forms
  • Full completed operations coverage
  • Blanket Additional Insured is available
  • Project specific increased limits available
  • No job reporting requirements
  • Coverage provided via commonly accepted ISO forms/terms and conditions
Submission Requirements include:
  • ACORD application
  • Supplemental Environmental Services Application
  • Financial Statement
  • Qualifications / Resumes
  • Schedule of Previous Projects Worked On
Classes of Business

All classes of contracting risks including, Environmental Remediation Contractors, Asbestos/Lead Abatement Contractors, and Non-environmental Contractors including:.

  • Concrete Work
  • Demolition
  • Drilling
  • Electrical
  • Industrial Cleaning
  • Grading of Land
  • HVAC
  • Painting
  • Specialty Trade
  • Utility Contractor

  • Minimum Premium: $1,500
  • Minimum Deductible: $ 2,500 – per occurrence
  • Limits Available: $10,000,000 – higher limits available upon request

Environmental Consultants & Engineers

  • Site assessments
  • Lab testing
  • Site monitoring
  • Remediation plan development
  • Licensed site professional
  • Radon inspection
Submission Requirements include:
  • ACORD application
  • Supplemental Environmental Services Application
  • Financial Statement
  • Qualifications / Resumes
  • Schedule of Previous Projects
    Worked On
Classes of Business

All classes of consulting risks including:

  • Permit & Compliance Consultants
  • Environmental Consultants
  • Industrial Hygienists
  • Remediation Engineers
  • Testing Labs
  • Waste Brokers
  • Radon Inspection
  • Wetland Delineators

  • Minimum Premium: $1,500
  • Minimum Deductible: $ 2,500 – per occurrence
  • Limits Available: $10,000,000 – higher limits available upon request

Environmental Fixed Facilities – Site Specific Pollution

Although governmental regulation has had an impact in certain areas of environmental impairment liability, marketplace property transfers are driven more by financial considerations. In this era of increased mergers and acquisitions activity environmental insurance serves to satisfy the concerns of both the buyer and the seller.

The banking industry has also fueled the purchase of environmental site pollution coverage by requiring mortgage holders to purchase the coverage to satisfy real estate closing requirements.

Submission Requirements include:
  • ACORD application
  • Supplemental Environmental Services Application
  • Financial Statement
  • Environmental Site Assessment (Phase I and/or Phase II studies)
  • Property Description
    and Diagram
Classes of Business

All classes of contracting risks including:

  • All Classes of Property Risk
  • Bank Portfolios
  • Strip Malls
  • Contaminated Property
  • Real Estate Transfers
  • Brownfields

  • Minimum Premium: $1,500
  • Minimum Deductible: $ 2,500 – per occurrence
  • Limits Available: $10,000,000 – higher limits available upon request

Products Pollution

Virtually every type of manufacturing company/facility has waste by-products. These “wastes” present a liability that must be addressed in order to properly protect your clients assets.

  • Auto Parts Manufacturers
  • Chemical Manufacturers
  • Cosmetics
  • Electronic Components Manufacturers
  • Glass Manufacturers
  • Industrial Equipment Manufacturers
  • Paint Manufacturers
  • Plastics Manufacturers
  • Rubber Goods Manufacturers
  • Valve Manufacturers


Over the past four decades QSR has established itself as the premier “go to” market for contracting accounts. We’ve cultivated strong, solid relationships with our underwriters over the years and represent all of the major insurers that entertain contracting accounts.

QSR is also one of a very select few brokers around the country that have access to some exclusive contracting markets. These appointments are a recognition and acknowledgment of our expertise in the contracting arena.

We provide access to the marketplace for everything from a small artisan trade contractor to large residential development contracting firms. Our reputation is unparalleled in the industry.

From a Builders Risk to a Wrap-up program; primary as well as Excess/Umbrella Liability… let QSR help you custom build your client’s insurance program.

Some examples of the contracting classes that we write:

  • Alarm & Sprinkler Installation, Service & Repair
  • Blasting
  • Contractors Design/Build
  • EIFS Contractors
  • Elevator Inspection, Service & Repair
  • Equipment Rental
  • Excavation/Grading Contractors
  • Interior Demolition
  • Janitorial Services
  • Jetty, Breakwall, Dock Construction
  • Paper GC’s
  • Painting
  • Pile Driving
  • Pipeline
  • Residential Contractors
  • Railroad
  • Roofing
  • Scaffolding
  • Sewer Cleaning
  • Steel Erectors
  • Street & Road Paving
  • Tunneling, Building & Wrecking
  • Utilities Installation/Repair

Helpful Hints

In order for us to do present your submission in the very best light to the underwriters it is vital that we have a complete submission. This helps to expedite the underwriting and quoting process and enables us to provide you with the most competitive and comprehensive terms available. A complete submission for any contractors account should include the following:

  • Completed ACORD applications (General Information, Commercial General Liability)
  • QSR Supplemental Contractors Application
  • Five (5) years of hard copy, currently valued, loss runs.
  • A loss summary
  • A copy of their standard sub-contractor agreement*
  • Percentage of work by state location
  • Information on their current insurance program including:
  • Insurer name
  • Current premium
  • Limits and deductible
  • Expiration date
  • Is the current insurer offering renewal?
  • If yes, what are the renewal terms and pricing?
  • If no, why?
  • What are your desired terms, conditions, pricing?

As respects the sub-contractors agreement, all underwriters require that,
1.That all sub-contractors carry Commercial General Liability limits equal to or greater than that of our applicant;
2.That all sub-contractors sign a written agreement that contains a Hold Harmless Clause in favor of our applicant;
3.That all sub-contractors provide the applicant with evidence that they, our applicant, are included as Additional Insured under the sub-contractors Commercial General Liability policy.

Construction Managers Program

Quaker Special Risk understands the unique set of risks and challenges faced by Construction Managers and has designed an integrated general liability and professional liability package for CMs, closing the gaps on coverage while offering a new level of comfort and service.

Read more »

Luxury Home Builders Program

Residential General Contractors must be involved solely in the construction of single family homes which will subsequently be sold to individual unit owners. Maximum 25 new starts per policy year.

Read more »

Artisan & General Contractors

With our office headquarters located in the Northeast, the large construction presence has helped us become familiar with the special needs and requirements that contractors are facing. In response, we’ve custom designed several programs to provide contractors with superior coverage.

Read more »

Personal Lines

Quaker Personal Insurance Solutions provides a wide array of admitted and non-admitted solutions for your affluent personal lines clients.

Read more »

Notable Accounts:

Environmental contractor with $1MM/$2MM limits. Premium $6,500. $5MM excess premium $6,000.