Coverages that life sciences firms need most

We provide life sciences organizations with a range of essential coverages. Coverage highlights for eligible and qualified insureds include:

Refrigerant contamination and temperature or humidity change
Drugs, biological specimens and other personal property often are sensitive to heat, dryness or dampness. We provides coverage for loss or damage to personal property if such property is contaminated by a refrigerant, or spoiled by changes or extremes in temperature or humidity.

Lab animals
The use of live animals in testing is common among some medical technology companies. While some carriers have a live animal exclusion. We can provide coverage if these animals are lost or destroyed as a result of a covered event.

Technology service provider coverage
If service is interrupted because an internet service provider (ISP) or server farm goes offline due to loss or damage to its property, if time element coverage applies, we provide coverage for business income loss sustained during the period of restoration due to delay of its operations as a result of the outage.

The risk of biological agents being accidentally released into the environment by medical technology companies is an ongoing concern. We provide coverage for direct physical loss of or damage to personal property caused by the sudden and accidental discharge or release of bio-contaminants — up to the Bio-Contamination Coverage each occurrence limit of insurance.

Additional coverage from a carrier you can trust.

  • Product Liability
  • Clinical Trial Coverage
  • Contaminated and Reduced Quality Stock
  • Radioactive Contamination
  • Electronic Vandalism
  • Lessors’ Leasehold Interest

Potential Insureds

  • Biomedical Research and Development Firms
  • Biotechnology Firms
  • Contract Research Organizations
  • Medical Device Manufacturers
  • Specialty Pharmaceutical Companies


Our insurance is available for exposures in the following states: AZ, CO, CT, IL, IN, MI, MO, MN, NM, NV, NC, PA, SC and TN. We will communicate as additional states are approved each month.