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Life Science Technology Life Science and Technology Startup
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Life Science Insurance
The growth of technology has revolutionized many industries, including biology and medicine where breakthrough advances are finding new cures for illnesses and a better understanding of our health.

Life Science companies are raising capital that is facilitated with directors and officers liability insurance, conducting clinical trials and launching new products that require liability insurance, building laboratories that require property insurance, hiring employees that need the statutory protection of workers compensation insurance to mention a few of the challenges that we can help address.
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Technology Insurance
A patent office official reputedly made the comment that everything useful had already been invented…in the early 1900’s! Technology companies have unique needs…often experiencing explosive growth as a startup to established companies that are continually innovating to meet and exceed their customers’ expectations.

You need a knowledgeable insurance professional to help you protect your company and meet contractual obligations that are ever expanding in the areas of errors and omissions liability, network and privacy liability, employment practices liability, intellectual property liability to name a few.
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Life Science and Technology Startup
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The lifecycle of a start-up from an insurance perspective
Insurance Perspective
Starting a company is a big deal…but maybe only to you. Have a knowledgeable insurance broker help you determine what you need to meet regulatory, contractual and customer (hopefully!) requirements, while preserving as much capital as possible to develop your product or service.

Whether information technology, medical products, materials science, biotechnology, nanotechnology or other areas, startups face enormous challenges and we can help with one piece of the puzzle…insurance.
Technology & Biotechnology Start-up
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Business Insurance
Types of insurance protection:  
•  Property and Equipment lnsurance
•  Business Interruption/ Extra Expenses
•  General Liability
•  Products Liability
•  Network and Privacy Liability
•  Crime (Employee Dishonesty)
•  Fiduciary Liability
•  Ocean Cargo
•  Clinical Trials Liability
•  Professional Liability (Errors And Omissions)
•  Workers Compensation
•  Automobile Liability
•  Umbrella Liability
•  Employment Practices Liability
•  Directors and Officers Liability
•  We can also help with life, disability & health insurance through trusted partners.
Business Insurance
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International Insurance
The world isn’t getting smaller…it just seems that way. The continued growth of the global economy means even small to mid-sized enterprises can have supply or distribution chains that span the globe. Have a knowledgeable insurance broker with international experience help you identify the risks and arrange insurance to protect your company and employees.

US companies selling overseas can take advantage of lower foreign liability rates that are as much as 80% lower than prevailing US product liability rates… can you realize potential savings with a foreign liability package policy? And you can protect your employees, who travel overseas, with a business travel accident policy.

Overseas companies coming to the US, particularly as a start up, often struggle to find a broker familiar with their unique needs. What kinds of insurances are needed and how to integrate with the parent company’s insurance program to mitigate coverage gaps and streamline administration in a cost effective manner?
International Insurance
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About Us
About Us
We work with many startup to mid-sized life science companies helping to meet regulatory, contractual and asset protection needs with property and liability insurance in a cost effective manner including Directors & Officers Liability, Clinical Trail and Medical Product Liability, General Liability, Workers Compensation, Cyberliability, Professional/Errors & Omissions Liability and other coverages. Other areas include technology companies, product manufacturers, professional services (attorneys and engineers) and companies with international exposures.
JTR & Associates helps clients navigate the myriad of options in the insurance marketplace to find the coverage they want at a price they are willing to pay. Our continuing service assists clients with exposure reviews, risk transfer & insurance, loss control and claim settlements.
John Rigaut has over 30 years of commercial insurance experience starting as a loss control engineer (licensed professional engineer) before moving to underwriting (Chartered Property & Casualty Underwriter) and later becoming an insurance broker. He cofounded, built up and sold an earlier brokerage firm to a British broker, before starting JTR & Associates, LLC.
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Get in touch with us  
2 Kings Hwy West, Suite 203
Haddonfield, NJ 08033
Phone #: (856) 673-0673
Fax #: (856) 673-0652
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Please be advised that coverage cannot be bound or policy change effected by sending an e-mail to our office. You must receive confirmation from a licensed insurance representative.
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