Life sciences liability

Protection for the life sciences sector

For companies that research and deliver new drugs, medical devices, and other life sciences products to treat and cure disease, the pressure to perform has never been greater. Technological advances, global health emergencies, and more have elevated public need and present new opportunities for companies in this sector. And as new opportunities arise so do new risks – including the potential for large financial losses and lawsuits that can affect a company’s reputation and bottom line.

Businesses that operate in this fast-paced, complex, and highly regulated world need customized insurance coverage. Our life sciences liability solutions help protect life sciences organizations against legal, financial, and reputational risk arising from their product or their work.

A protective partnership

Solutions for complex risks

Our life sciences liability solutions can include general and product liability, professional liability, and human clinical trial insurance coverage.

Key coverage highlights:

  • Up to $15M in capacity available
  • Products-completed operations coverage with option to add professional liability coverage under one policy aggregate
  • Separate policy aggregate available for general liability (premises operations)
  • Claims made and defense within limits for products and professional liability
  • Occurrence coverage available for general liability (premises operations)
  • Products-completed operations coverage enhancements available
  • Follow form excess with duty to defend when required by underlying policies
  • Includes punitive damages, where allowable by law
  • Worldwide coverage


Expertise that delivers

With one of the most experienced teams in the industry, we’ve built a finely tuned response to address the life sciences sector’s top liability exposures.

Our underwriters understand the nuances of the life sciences industry, have a firm grasp of the science associated with different product classes, and keep pace with the rapidly changing legal and regulatory environment. They apply this knowledge and experience to develop creative solutions to meet the needs of an array of companies in the life sciences sector, including biotechnology companies, specialty and generic pharmaceutical companies, medical products and medical device manufacturers, and industry distributors. We also leverage the skills of dedicated healthcare liability claims specialists to help minimize litigation and control costs.

From program design to claims response, count on us for proactive service that keeps your risk-management goals top of mind.

Better control over claims

Our healthcare liability claims management approach focuses on close partnership with customers, brokers, and defense counsel to deliver the best possible outcomes.

Through our investment in hiring and developing experienced claims staff, and a culture that promotes accountability, we are equipped to resolve claims efficiently and with each insured’s best interests in mind.

Our life sciences customers also benefit from the following support and value-added services:

  • Dedicated claims professionals with in-depth experience managing life sciences liability claims
  • Panel attorneys who specialize in defending life sciences liability claims
  • Attendance at mediations, arbitrations, and trials to provide insight on litigation strategy and appropriate case settlement values

Even with the most complex losses, we know how to streamline the claims process and minimize potential liability, helping to protect your company’s reputation and bottom line.

Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Darcy Montevaldo

AVP Life Sciences Officer

Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.