INDUSTRIES
A life sciences company carries risk across research, clinical development, and commercialization, often changing faster than a standard insurance program can keep up with. We build coverage around where you are in that process, not where you started.
Claims of design defect, manufacturing error, or inadequate warning carry real financial and reputational consequences, especially in a regulated product category.
Trial participants and sponsors both create exposure specific to the clinical development process, separate from standard product risk.
Claims tied to consulting, testing, or advisory services carry their own exposure, distinct from product-related claims.
Research data and proprietary intellectual property make life sciences companies a real target, with consequences beyond a typical data breach.
Decisions made by leadership and the board create personal liability exposure that intensifies as a company raises capital.
Life sciences operates under significant regulatory oversight, and non-compliance carries its own liability alongside product and clinical risk.
Loop us in early — trial liability and D&O requirements both need to be in place before you move forward, not after.
Our advisors know the realities of research, trials, and commercialization, so recommendations are grounded in where your company actually is in that process.
Funding rounds and partnership agreements often carry specific insurance requirements — we help make sure you're never caught short on either.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From early-stage research through commercialization, we adjust your program as your company's risk profile changes.
1
We learn your research stage, your product pipeline, your funding history, and your current coverage and claims history.
2
We identify gaps — trial liability, D&O ahead of a raise, product liability limits — before they become a problem in a partnership or after an incident.
3
We place your program with carriers who understand life sciences risk, balancing coverage, service, and cost.
4
We review your program as you move through research, trials, and commercialization, and support you through claims when they arise.
Most life sciences companies need general liability, product liability, professional liability, and cyber liability at minimum, with clinical trials liability and D&O becoming relevant as you begin trials or take on outside investment. The right mix depends heavily on where you are in the research-to-commercialization process.
Clinical trials liability covers claims arising from trial participation — injury to a participant, or claims tied to how a trial was conducted or sponsored. It typically becomes necessary as soon as you begin any human trial activity, and many institutional review boards and partners require proof of it before a trial can proceed.
The regulatory scrutiny, the potential for claims to surface long after a product reaches the market, and the scale of harm a defect can cause are all typically higher in life sciences than in general manufacturing. Coverage needs to be sized and structured with that difference in mind, not treated as standard product liability.
Often yes, earlier than founders expect — as soon as you have a formal board or are preparing for a funding round, D&O typically becomes both a practical need and, frequently, an investor requirement before closing.
Your risk shifts substantially — from primarily professional liability and cyber exposure in early research, toward significant product liability exposure once you’re commercializing. We review your program at these transition points specifically, not just at renewal.
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
