Insurance Products

Industry Verticals – Life Sciences

Our Life Sciences team has the deep industry knowledge and technical expertise necessary to service the specialized insurance needs of clients in this dynamic sector.

Target Clients

We focus on serving small and middle market accounts in the following classes:

  • Drugs, Pharmaceuticals, Biologics including Dietary Supplements/Nutraceuticals
  • Medical Devices (Class 1 to 3 & PMA Approved)
  • Professional Service Organizations supporting the product development process

Our appetite includes the following phases of the product life cycle:

  • Research and Development (R&D)
  • Clinical Trials
  • Manufacturing (Both CMOs and OEMs)
  • Distribution

Program Structure

  • Primary or Excess, Guaranteed cost and alternative risk transfer mechanisms (deductibles, SIR, retro rating plans and captive programs)

Coverage & Significant Capacity

We offer comprehensive coverage and significant capacity across all lines of business offered to the Life Sciences market.

  • Property – up to $500M AOP / $25M CAT
  • General Liability – $1M limit, can increase based on risk
  • Product Liability – up to $15M based on risk
  • Clinical Trial Liability – up to $10M based on risk
  • Auto – $1M limit, can increase based on risk
  • Workers’ Compensation – statutory limits
  • Umbrella (excluding PCO and Prof.) – $20M
  • Environmental – $25M
  • Product Related Professional Liability – $10M
  • Cyber – $10M

Value Added Service

Our approach is to forge a long-term holistic trading partnership with each account. Instead of basing our relationship on individual products, we offer our lines of business through a multi-disciplinary team focused on a specific industry vertical.

We are committed to providing our clients with:

  • Empowered life sciences underwriters who have authority at the point of sale.
  • Risk control specialists offering risk management programs tailored to the needs of life sciences companies.
  • Dedicated claims professionals with expertise in our clients’ operations and risk exposures.
  • A white glove service model and technology solutions.


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