What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Specialized Trades · Calculator, Comparison & Guide

Life Sciences Insurance: Calculator, Comparison Table & Guide

Biotech, medical device, diagnostics, CROs, and nutraceuticals. Products liability and clinical trials drive cost.

1. Calculator
2. Comparison
3. Guide
FAQ

Prong 1 · Interactive Calculator

Life Sciences Coverage Estimator

Biotech, medical device, diagnostics, CROs, and nutraceuticals. Products liability and clinical trials drive cost.

Segment

Annual revenue (or $0 if pre-revenue) ($)

Capital raised to date ($)

Active clinical trials

Enrolled subjects (all trials)

Employees

Lab / equipment value ($)

Results
Line	Estimate
Products / completed operations liabilityPre-revenue companies are rated on funding as a proxy.	—
Clinical trials liability (subject injury)	—
D&O (private company, investor-backed)	—
E&O / errors in research or services	—
Property + research animals/specimens	—
Cyber / IP data	—
Workers' comp (4511 lab)	—
Estimated annual program	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Life Sciences Program Structures

How coverage scales from lab bench to commercial.

Criterion	Pre-Clinical Startup	Clinical-Stage	Commercial-Stage
Products liability	Contingent / minimal	Trial-specific	Full occurrence or claims-made
Clinical trials liability	Excluded	Included	Included
Foreign trial local policies	Excluded	Where required (EU, LatAm)	Included
D&O	Investor-required	Investor-required + Side A	Full ABC + Side A
Product recall	Excluded	Excluded	Optional
IP infringement defense	Excluded	Optional	Optional
Best fit	Seed–Series A	Series B–IND	Post-approval

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Life Sciences Insurance: From Bench to Market

Products liability, clinical trials, and D&O — the three coverages every investor's term sheet asks about.

Products liability, staged

Underwriters rate on where you are in the regulatory pathway. Pre-revenue companies are rated on funding or R&D spend.

Occurrence form is rare; expect claims-made with retro date at inception
Batch clause for pharma/device
Efficacy exclusion — negotiate for diagnostics

Clinical trials liability

Subject injury coverage is required by IRBs and, abroad, by regulators. It's separate from products.

Per-trial certificate with protocol number
No-fault compensation in EU/Australia/LatAm trials
Investigator and CRO as additional insureds

D&O for investor-backed companies

Every Series A term sheet requires it. Side A protects founders when the company can't indemnify.

$2M–$5M at seed, $5M–$10M at Series B
Entity coverage for securities claims
Extend to the scientific advisory board

Frequently Asked Questions

Do we need insurance before we have a product?

Yes: D&O for the raise, GL/property for the lab, WC, and contingent products for any device or compound leaving your custody.

What about hazardous materials?

Pollution liability for lab waste and biologicals; most GL forms exclude it.

Does our CRO's insurance cover us?

Only as an additional insured for their negligence. The sponsor needs its own clinical trials policy.

Related: life sciences insurance · clinical trial insurance · products liability biotech · medical device insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your life sciences exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.