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Life sciences liability

Products, E&O, and general liability

Expertise within our life sciences underwriting, claims, and risk engineering teams allows us to partner effectively with businesses in this ever-evolving industry.

  • We offer specialized products that serve the commercial insurance needs of the life science industry, including pharmaceutical, biotechnology, medical device, and nutraceutical space.
  • We have the ability to insure a company throughout their products life cycle. From research through product commercialization, we offer a specialized product that serves the commercial insurance needs of the life sciences industry.

Why do companies need life science liability insurance?

Provides specialized coverage

Life science product liability insurance offers a wide range of specialized coverage enhancements to protect the commercial insurance needs of the life science industry including medical device, pharmaceutical, biotechnology, medical device, dietary supplement and cosmetic industries. With life science product liability and error or omission insurance, a business is protected throughout their products life cycle and their work performed—from research and development through commercialization.

Protects companies from unique risks

Businesses in this ever-evolving, fast-paced sector working on solutions for our world’s most pressing challenges are exposed to unique risks due to the cutting-edge nature of products created to change and save lives. The complex risks involved can lead to lawsuits and financial loss that can detrimentally affect the organization’s reputation and bottom line.

Ensures they can focus on improving quality of life for everyone

If you’re in the life science industry, you are on the front lines of groundbreaking medical technology, promising research and development, and innovative products designed to treat, cure, prevent, or mitigate diseases or conditions, with the goal of improving quality of life in both humans and animals.

Peace of mind

Ensuring you are protected by a carrier with expertise in life sciences insurance, from underwriting, claims and loss control will provide peace of mind that you have a partner that can help you navigate this ever-evolving industry. Coverage options can include product-completed operations liability, errors or omissions liability and general liability, typically available on a primary or excess basis.

Research & development and clinical trials

Research and development, clinical trials, and contract research organizations (pre-clinical and clinical).

Medical device operations

Non-invasive and invasive medical devices, including implantable devices.


Allergenics, therapeutic biological products, tissue and tissue products.

Pharmaceutical operations

Prescription, over-the-counter, active pharmaceutical ingredients, and veterinary drugs (companion animals). Appetite includes both branded and generic pharmaceuticals.

Nutraceutical operations

Dietary supplements including vitamins, diet aids, food supplements and topicals, and CBD.


Skin care preparations, personal care preparations, bath preparations, and fragrance preparations.

Coverage available on both a primary or excess basis.

Products-completed operations liability (claims-made)

Coverage that helps protect your business from lawsuits claiming bodily injury or property damage from your company’s completed products or work, including those related to a clinical trial.

General liability, including advertising and personal injury (occurrence)

Coverage that helps protect your business from lawsuits claiming bodily injury, property damage, personal and advertising Injury in connection with your company’s premises and ongoing operations.

Errors and omissions liability (claims-made)

Helps protect life sciences businesses from lawsuits claiming a wrongful act while providing professional services that results in financial injury.

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