World Insurance Network
Frequently Asked Questions
Peptide insurance, commercial insurance, personal insurance and coverage gap reviews.
Talk to a BrokerAbout World Insurance Network
Is World Insurance Network a peptide company?
No. We are an insurance brokerage. We place coverage for businesses that make, supply, recommend, or administer peptides, and we do not sell, manufacture, or advise on the products themselves.
How long has World Insurance Network been in business?
World Insurance Network has served clients since 2005. We are an independent brokerage with more than 70 years of combined broker experience across the firm.
What is an independent brokerage?
An independent brokerage is not tied to a single insurer. A captive agent can place business only with the carrier they represent, while we have access to over 95% of carriers in the United States and can find a market for an unusual risk.
What lines of insurance do you place?
Commercial and personal lines, including general liability, property, commercial auto, workers’ compensation, employee benefits, home, auto, umbrella, life, long-term care, and high-net-worth coverage, alongside our proprietary peptide program.
Peptide coverage & eligibility
What are peptides?
Peptides are short chains of amino acids, the compounds that combine to form proteins. For our insurance program, eligible products must carry professional use labeling and move through a channel that includes licensed medical oversight.
Are certain peptides excluded from coverage?
No. The program imposes no exclusions based on peptide type. Eligibility depends on “For Professional Use Only” labeling, reputable sourcing, and products provided through the medical channel under a licensed provider’s NPI number.
Can direct-to-consumer peptide sales be insured?
Not under this program. Carriers require professional-use labeling and a licensed provider in the chain, so direct-to-consumer sales fall outside the program.
Manufacturers & distributors
What does claims-made coverage mean for a peptide manufacturer?
The policy responds to claims first made during the policy period for injury that occurred on or after your retroactive date. Renewing without a gap preserves protection for product already sold.
What is a retroactive date?
The earliest date of injury the policy will recognize. Keeping it unchanged at renewal, or when changing carriers, protects every lot you have shipped since that date.
What is an extended reporting period?
If coverage ends, a basic reporting period applies automatically. Optional extensions of 12 to 60 months can be bought so that later claims from earlier production remain covered.
What does defense within limits mean?
Legal fees are paid from the policy limit, so each dollar spent on defense reduces the amount available for settlement. This is one reason to choose limits carefully.
What are designated products?
Coverage applies to the product categories scheduled on the policy. Every product line should be disclosed on the application.
How are related claims treated?
Multiple injuries traced to the same defect, lot, or decision may be declared a single related claim, subject to one occurrence limit and one deductible. Related product first sold or distributed more than 90 days after the declaration is not covered.
Clinics & med spas
Does medical malpractice insurance cover peptides sold by a practice?
Usually not. Malpractice responds to bodily injury from negligent care or advice. A practice that buys peptides wholesale and sells them to patients becomes a seller in the product liability claims pipeline, with the same product claims exposure as any distributor. That exposure requires products liability, and advice on non-FDA-approved peptides requires a separate peptide malpractice policy.
Can you get insurance for a med spa offering peptide services?
Yes. Med spas are a core eligible class via our programs. Adding peptides changes a med spa’s exposure in ways most aesthetic malpractice policies were never written to address, so the program pairs products liability with a separate peptide malpractice policy designed for the industry.
Will adding peptide malpractice coverage affect my existing policy?
No. Peptide malpractice is written to ride alongside your primary malpractice policy and leaves it untouched, so it continues to protect your conventional operations.
What determines peptide eligibility for a med spa?
Eligibility depends on labeling, sourcing, and physician oversight, not on which peptide is involved. Every peptide you offer should still be disclosed on the application.
Commercial insurance
What is commercial insurance?
Commercial insurance protects a business against the risks inherent in its operations, including its premises, employees, vehicles, and the services or products it provides. Rather than a single policy, it is typically structured as a coordinated program of coverages designed to work together.
What is the difference between a captive agent and an independent broker?
A captive agent represents a single insurer and can offer only that company’s products. An independent broker is free to work across the market on your behalf. With access to over 95% of carriers in the United States, we can identify the insurer best suited to write your risk, on the most favorable terms available.
Can you place my business if other brokers have been unable to?
In many cases, yes. Unconventional risk is our specialty, and we routinely place classes of business that fall outside standard carrier appetites. Before assuming your business is uninsurable, we encourage you to start a conversation with us.
Do I need to place all of my coverage with one broker?
It is not required, but it offers a meaningful advantage. Coverage gaps most often occur between policies rather than within them, and a single broker overseeing your entire program is best positioned to identify those gaps before a claim does.
Personal insurance
What is personal insurance?
Coverage for what you own and what you may be held responsible for outside of a business: your home, your vehicles, your possessions, and your personal liability. It is typically structured as several policies working together rather than a single product.
What is umbrella insurance and do I need it?
Umbrella insurance is liability coverage that sits above your home and auto policies, responding when a claim exceeds the limits those policies provide. Whether it belongs in your program depends on what you own and what a personal claim could reach, which makes it a matter for conversation rather than a general rule.
Does my homeowners policy cover flood?
No. Standard homeowners policies exclude flood entirely; it must be written as a separate policy. It is the exclusion most often discovered after a loss rather than before one.
My policy renews automatically. Isn't that a review?
No. A renewal confirms the policy you already held, at terms the carrier has adjusted. It does not account for what has changed in your household since the coverage was written, and that is where most personal programs fall short.
Can you place both my personal and business insurance?
Yes, and a great many of our clients entrust us with both. Reviewing the commercial and personal coverages side by side reveals where the two fail to meet, and that is where the uninsured risk sits.
Coverage gap reviews
What is a coverage gap review?
A broker-led review of the insurance you already carry, measured against what your business actually does. It identifies what your existing policies leave unprotected, which exclusions reach your operations, and what your supply and purchase agreements already obligate you to carry.
How long does a coverage gap review take?
The form takes two minutes. A broker comes back to you the same day, often within the hour. Where the conversation goes from there depends on what the policy language actually supports.
Do I have to switch brokers to get one?
No. A gap review tells you what your current policies respond to. What you do with that is your decision, and if your existing coverage is doing its job, we will tell you so.
What information do I need to provide?
Your name, your business and what it does, and the coverage you are asking about. We do not ask for premiums, limits, or policy numbers on this form, and we never ask for patient information.
Is this only for peptide businesses?
No. World Insurance Network is a full independent brokerage. The same review applies across commercial lines, including general liability, property, commercial auto, and workers’ compensation, as well as personal lines such as home, auto, umbrella, and high-net-worth coverage.
What if the review finds no gaps?
Then we tell you so. A review confirming your coverage is doing its job is a useful answer, and it is the one we give when it is true.