Insurance Products

Life Sciences

Our Life Sciences team has become known as a market leader, recognized for our industry expertise and our ability to provide solutions for a wide range of life science companies both in terms of scale and specialty, from emerging to multinational organizations. Our leadership has over 50 years of combined experience working with a broad array of life science companies and our multi-line Underwriters, Risk Control and Claims professionals are dedicated to finding solutions for the complex risks associated with the life science industry.

Target Clients

We are focused 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 (CMOs and OEMs)
  • Distribution

Customized Solutions

We offer a broad range of customizable coverages and services tailored to each client’s needs including:

  • State-of-the-art product liability, including products and completed operations (PCO), clinical trials, and errors and omissions (E&O) coverages, coupled with numerous specialty coverages developed to address the unmet needs of the life science industry, such as Care, Custody and Control (CCC) of Property, Product Shortage and Medical Monitoring Expenses, Successor Liability, Incidental Medical Professional, Comprehensive Clinical Trials coverage to include bodily injury en route to or from the trial to Personal and Advertising Injury.
  • Controlled master programs with DIC/DIL for property and casualty coverages
  • A full suite of specialized property coverages, including R&D, spoilage/contamination, scientific animals, and business income including extra expense and milestone payments
  • Specialized inland marine coverages
  • Other SBU’s coverage – D&O, Cyber, etc.

Significant Capacity

  • Dedicated, and separate Limits for Product Liability, E&O and Clinical Trial Liability. Maximum Policy Limit up to $25M (based on risk)
  • Limits up to $25M (based on risk) for Product Liability, E&O and Clinical Trial Liability
  • Property capacity up to $500M AOP / $25M CAT per location with coverage options

Claims and Risk Control Services

  • 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 specific to the life sciences industry



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