Is loss of research and development cost included in the animal value?
What would be the loss if animals were injured only?
Transit or Property off premises
Do you have traveling exhibits that need coverage?
Do you have incoming shipments?
Do you ship to customers?
Worldwide Products
Are products to other countries?
If yes do you need defense and claim payments in the country the product is sold?
Patent Infringement Insurance
Do you have patents on your products?
What would it cost to enforce it against an infringing company?
What is the maximum possible cost if your company was sued for patent infringement?
Beware of joint venture arrangements. Liability is not limited to the joint venture, usually the joint venture partners have joint and several liability.