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Life sciences insurance

In the rapidly advancing world of life sciences, businesses are developing innovative solutions to address some of the world’s most critical challenges. But with innovation comes risk. The cutting-edge nature of these products can bring complex exposures—opening the door to potential litigation, financial loss, and reputational impact. With over 30 years of experience in the life sciences industry, Markel understands these challenges and offers insurance solutions designed to help protect what matters most.​

Why is insurance for life sciences companies important?​


The life science industry is dynamic and growing rapidly with new inventions in a highly regulated environment. Organizations in this sector need to protect their businesses by mitigating risk through the right insurance, so they can keep the momentum without skipping a beat by continuing to predict, prevent, treat, and cure diseases and conditions around the world.​

What we offer

Life sciences primary insurance​

Primary coverage available on both an admitted and non-admitted basis, tailored to meet the needs of your business.​

Life sciences excess insurance​

Flexible excess coverage that extends above primary coverage—with limits up to $10 million.​

Life sciences middle market insurance package​

Your one-stop solution—our package product brings together property, commercial auto, workers compensation, and umbrella coverage in one convenient bundle.​

Markel life sciences coverage for your product’s life cycle​

Markel can help companies manage risk at every phase of life sciences product development journey—from early research and clinical trials to manufacturing, commercialization, and beyond. Our tailored insurance solutions are designed to evolve alongside your innovations, providing protection when it matters most.​

Research and development
Life science companies face significant R&D risks, including product failure, regulatory hurdles, clinical trial setbacks, and financial or intellectual property challenges.​

Clinical trials
Life sciences companies encounter various challenges during clinical trials, including concerns about patient safety and potential regulatory setbacks, which can significantly prolong the path to bringing their products to market.

Product manufacturing
Common risks during the manufacturing phase include quality control issues, supply chain disruptions, regulatory noncompliance, and production delays​.

Commercialization
During the commercialization phase, life sciences companies face risks such as temperature control failures, supply chain disruptions, regulatory challenges, and product damage or loss in transit​.

Insurance protection at every stage of the product life cycle