Life Sciences Insurance
Insurance and risk solutions for biotech firms, pharmaceutical companies, medical device manufacturers, CROs, and nutraceutical companies operating in Texas and Florida.
The life sciences industry operates at the intersection of innovation and regulation — where the stakes of a product failure, a clinical trial incident, or an intellectual property breach are extraordinarily high. Standard commercial insurance programs are simply not designed for the complexity that biotech, pharma, medical device, and contract research organizations face.
Wirehaired Trust works with life sciences companies at every stage — from early-stage startups running their first clinical trial to established manufacturers with distribution across Texas, Florida, and beyond. We access specialty carriers with genuine expertise in life sciences risk, and we structure programs that scale as your organization grows.
Why Life Sciences Requires Specialty Coverage
- →Product liability for life sciences is unlike any other industry — the claims complexity, regulatory exposure, and litigation environment demand specialist carriers
- →Clinical trial liability covers bodily injury to human subjects and must be structured to satisfy IRB and FDA requirements
- →Intellectual property and cyber exposure is acute — your research pipeline and formulation data are among your most valuable assets
- →As companies grow, Mergers & Acquisitions (M&A) transactional liability and representation & warranty insurance become increasingly relevant
Coverages We Place for Life Sciences Companies
- ✓Product Liability — Bodily injury and property damage arising from your products, including recall expense coverage
- ✓Clinical Trial Liability — Coverage for bodily injury to human subjects during research studies; structured to meet IRB and sponsor requirements
- ✓Professional Liability / E&O — For contract research organizations, lab services, and consulting operations
- ✓Cyber Liability — Research data, patient data, and proprietary formulation protection against breach and ransomware
- ✓Commercial Property — Laboratory equipment, controlled environments, inventory, and research infrastructure
- ✓Directors & Officers (D&O) — Governance liability for executives and boards of life sciences companies; especially critical for publicly held or venture-backed firms
- ✓Employment Practices Liability (EPLI) — Wrongful termination, discrimination, and harassment coverage
- ✓Workers’ Compensation — For lab, clinical, and administrative staff; specialized class codes for life sciences environments
- ✓Commercial Auto — Fleet vehicles and specimen transport
- ✓Umbrella / Excess Liability — Higher limits to match the potential severity of product liability claims
Life Sciences Segments We Serve
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