VisionPak from St. Paul Technology is a new product developed for emerging companies. With a core of property and liability coverages designed for biotechnology firms and a broad array of options, VisionPak is designed to grow with your business.

Not only can limits be adjusted as needed, new coverages can be added as exposures develop. For example, coverage for clinical trials can be added when products reach that stage and worldwide coverage can be added if your firm expands overseas. VisionPak features include:

• Premium levels are relative to the exposures enabling smaller firms to enjoy a full range of coverages previously available only to larger firms at prices starting as low as $850.00.

• Interest-free premium financing.

• Internet enabled claim reporting and access to loss control services.

• Coverage for research animals and related data records at limits you define.

• Bio-contamination coverage.

• Loss of Income definition includes loss of grants and endowments and extended periods of restoration caused by FDA recertification.

• Loss of Income calculations are not penalized if the business has been operating at a loss.

• Combined computer and business property definition eliminates coverage questions for computer-aided equipment and closes the gap often found for computer-related loss of income.

• Worldwide protection for laptops and property in transit as well as loss of income from dependent locations worldwide.

• Important coverages and conditions that are options with other carriers are built-in including waiver of coinsurance, building ordinance and laws, and off-premises power failure.

We invite you to contact us today for more information about VisionPak from St. Paul.