Life Sciences

Liability Protection for Products/Completed Operations, Errors and Omissions, and Clinical Trials

Our experienced, specialized underwriters and insightful analytical tools provide expert risk management solutions for the life sciences industry.

Coverage Features

  • Claims made coverage on a primary or follow form excess basis
  • Defense costs apply within the limits of liability and the deductible/retention
  • Blanket clinical trial coverage available
  • Affirmative coverage for punitive damages with most favorable venue language
  • Blanket additional insured coverage where required by contract or agreement is available
  • Worldwide coverage territory options available
  • Distributors, medical sales consultants, scientific advisory boards, clinical trial contractors, clinical investigators, and site management organizations insured where the coverage is required to be provided by written contract or agreement
  • Good Samaritan coverage

Coverage Options

  • Products/completed operations
  • Clinical trials
  • Errors and omissions
  • Commercial general liability
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Eligible Risk Classes

  • Clinical trials
  • Specialty pharmaceuticals
  • Generic pharmaceuticals
  • Biotechnology
  • Medical device manufacturers
  • Contract research organizations
  • Site management organizations

Additional Considerations

  • Self-insured retention options available
  • Market competitive minimum premiums per million dollars of coverage


  • $15 million available for both primary and excess