Life Sciences Insurance
Product liability, clinical trial coverage, cyber, D&O, and E&O for biotech, pharma, medical device, and CRO companies.
Who Needs It
- Biotech and pharmaceutical developers
- Medical device manufacturers
- Contract research and manufacturing organizations
- Nutraceutical companies
What It Covers
- Product liability with recall expense
- Clinical trial liability meeting IRB and sponsor requirements
- Professional liability / E&O for CROs and labs
- Cyber for research and patient data
- D&O for venture-backed and public companies
- Property for labs and controlled environments
What It Does Not Cover
- Efficacy claims (product did not work) on most forms
- Regulatory fines
- Trials outside disclosed protocols or countries
- Intentional non-compliance with FDA requirements
Texas Notes
Houston's Texas Medical Center ecosystem has specialty carrier appetite; product stage and FDA status drive the market.
Florida Notes
Florida life-sciences growth in Tampa and South Florida; international trials need local admitted coverage in each country.
Life Sciences Insurance Questions We Hear Most
When do we first need coverage?
Before the first human trial (clinical trial liability) and before the first unit ships (product liability). D&O at the first outside investment.
Does a prior claim mean I can't get coverage?
Rarely. Carriers price and underwrite on frequency and severity over three to five years. One closed claim usually narrows the market slightly; a pattern narrows it a lot. Tell us everything up front; an undisclosed claim found at binding is worse than a disclosed one.
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