Life Sciences Insurance

Protecting innovation in biotech, pharma, and medical devices. From clinical trials to commercialization — coverage designed for the life sciences lifecycle.

Get a Quote

Talk to a Life Sciences insurance specialist

The Challenges

Risks unique to life sciences.

Clinical Trial Liability

Human subject research creates complex liability exposures requiring specialized coverage.

Product Liability

Medical products face intense scrutiny and potential catastrophic claims.

Regulatory Risk

FDA interactions, recalls, and compliance failures can threaten the entire business.

IP Protection

Patents and trade secrets are the lifeblood of life sciences companies.

Coverage

Coverage types for life sciences companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

Clinical Trial Liability

Product Liability

Professional Liability

Directors & Officers (D&O)

Cyber Liability

Property & Equipment

Why Summit

Why life sciences companies choose Summit.

Deep life sciences expertise

Relationships with specialty life sciences underwriters

Coverage that evolves from R&D through commercialization

Experience with complex clinical trial programs

Common Questions

Life Sciences insurance FAQs.

When do I need clinical trial liability insurance?+

Before enrolling human subjects in any trial. Most research ethics boards and institutional partners require proof of clinical trial liability coverage before approving protocols.

Does product liability cover FDA or Health Canada regulatory actions?+

Standard product liability covers third-party claims. Regulatory defense coverage is typically separate and covers legal costs related to regulatory inquiries and enforcement actions.

How does coverage change as we move from R&D to commercialization?+

Early-stage coverage focuses on clinical trial and professional liability. As you commercialize, product liability limits increase significantly. We help you scale coverage at each stage.

Are contract research organizations (CROs) covered under our policy?+

It depends on the policy structure. CROs can be added as additional insureds, or they may carry their own coverage. Contract terms typically specify requirements.

Explore other industries

Technology Fintech Construction & Realty Manufacturing Energy & Power

Built for growth. Backed by clarity.

Talk to Our Team