Life sciences insurance
Discover. Develop. Deliver.
Built for life sciences. Protected by Liberty Mutual.
Scientific and medical breakthroughs, an AI-driven technological revolution, global demographic shifts, and healthcare economics moving from volume to value create significant opportunities for the life sciences industry — and also new risks.
At Liberty Mutual, we share your journey. We have designed our products and services with your perspectives and trends in mind: technological advancements, accelerating competitive pressures, evolving regulatory requirements, complex legal environments, the demand for more patient‑centric solutions, and interconnected global supply chains.
Our dedicated Life Sciences practice brings more than 200 years of combined underwriting, risk-control, and claims experience. We safeguard your assets, address your insurance needs, mitigate risk, and provide responsive claims support to de-escalate threats and manage your defense. Every interaction reflects our commitment to protecting you and the innovations you bring to life.
Built to meet dynamic industry needs, our Middle Market Life Sciences practice offers a full suite of specialized, scalable property and casualty insurance products and integrated solutions tailored to life sciences companies — helping to manage risk and protect property and business income through your entire lifecycle.
Insurance products built for life sciences companies
Liberty Remedy for Life Sciences™ Liability
- Commercial General Liability Coverage – Includes premises and ongoing operations liability, personal & advertising injury liability for your business offenses, your clinical trials and expanded access programs (with dedicated aggregate limit), and damage to premises rented to you.
- Liberty Remedy for Life Sciences™ Products/Completed Operations Liability Coverage – Includes bodily injury or property damage arising out of your products and your work, clinical trials, expanded access programs, human cells, tissue, and cellular and tissue-based products (HCT/Ps), product demonstrations, and product liability caused by a cyber incident. We also have options for 9 additional coverages:
- Abuse or sexual misconduct of clinical trial participants
- Clinical trials medical expenses
- Counterfeit response expenses & liability
- Explant procedure expenses
- Governmental or representative entity parens patriae claims
- Medical monitoring expenses
- Mitigation & reputation protection expenses
- Product shortage liability
- Product withdrawal expenses
- Liberty Remedy for Life Sciences™ Errors & Omissions Liability – Includes both your product or service defect, deficiency, inadequacy, or dangerous condition (actual, suspected, or threatened) and options for breach of contract, cyber or privacy incidents caused by a defect in your product or service, delivery or performance delay, and return of amounts paid when sought as damages. New optional E&O additional coverages:
- Mitigation & reputation protection expenses
- Third party property damage caused by your act, error, or omission coverage
Life sciences property insurance
- Property – 16 Life Sciences Enhancement Coverage Extensions to our leading Liberty Mutual Property Protector® including:
- R&D Property
- Human Body Parts/Fluids/Cells/Tissues/Organs (Replaceable & Irreplaceable)
- Life Sciences Animals
- Life Sciences Indoor Plants
- Precious Metals Used in Medical Devices or Dental Products
- Loss of Controlled Conditions Or Spoilage (PP/R&D Property & Life Sciences Animals)
- Contamination
- Condemnation of Undamaged Stock by FDA
- Reduction in Value of Undamaged Property – FDA Standards
- Recertification by FDA or Foreign Equivalent
- R&D Business Income
- New Product Delay or Loss of Market
- Prohibition of Access
- Renovations or Course of Construction
- Selling Price Valuation of Finished Stock Manufactured By Others
- Contractual Penalties
Life sciences cyber insurance
- Liberty Cyber Resolution™ — Comprehensive first and third-party cyber coverage with proactive risk mitigation and rapid incident response.
- Liberty Tech Resolution™ — A blended cyber and Tech E&O solution tailored to the unique exposures of technology companies, including digital health innovations.
Life sciences multinational insurance
- Multinational Coverages – Includes Foreign Voluntary Workers Compensation & Employers Liability, Foreign Auto – Excess, Kidnap, Ransom & Extortion, and Accidental Death & Dismemberment, with Emergency Travel Assistance Services coordinated through United Health.
Life sciences workers compensation insurance
- Workers Compensation – Guaranteed cost and sophisticated workers compensation options may be available – customized solutions such as a sliding scale dividend plan for costs savings from risk management efforts which control losses.
Life sciences umbrellas
- Liberty Remedy for Life Sciences™ – Umbrella Coverage Amendatory provides specialized Umbrella coverage, tailored for Life Sciences risks.
Expertise that delivers
Our Middle Market Life Sciences practice is recognized for our specialized, dynamic, and reliable multi-line products and services that scale as our insureds grow from R&D through $2B in product/service revenue. Our clients build a trusting relationship with our dedicated, knowledgeable, and responsive underwriting, risk control and service professionals who bring decades of industry experience to every relationship.
Industry understanding
At Liberty Mutual, we believe protecting Life Sciences companies starts with building a team of dedicated specialists who truly understand the industry. Our experts not only recognize the complex and unique exposures Life Sciences organizations face but also have deep knowledge of the regulatory environment that shapes your operations. With over 200 years of combined underwriting and leadership experience, our team brings proven expertise and a partnership approach to your insurance program.
“When we made the investment to build a market‑leading Life Sciences practice, our mission was clear. We worked from the outside in — through the lens of the Life Sciences community we serve — to become the partner of choice for the full spectrum of insurance and risk management solutions this dynamic industry expects and needs.
Tory Agnich, Liberty Mutual chief underwriting officer, GRS Middle Market Life Sciences.
“Liberty Remedy reflects that commitment to partnership — on both offense and defense — helping clients proactively mitigate risk, address complex challenges, and deliver strong protection when it matters most.”
Risk control
Our dedicated team helps Life Sciences companies reduce exposures across property, liability, workers’ compensation, and more. These experts demonstrate their passion by strengthening risk management programs and identifying opportunities to mitigate risk. They provide essential services for Life Sciences clients, such as property and equipment risk management, ergonomics assessments to protect employees, and industrial hygiene services to ensure safe environments for employees and visitors.
Claims commitment
“Life Sciences claims are among the most complex in today’s risk landscape, often involving scientific questions, regulatory scrutiny, operational disruption, and significant business pressure simultaneously,” said Megan Kriegstein, Vice President, GRS Life Sciences Claims. “By integrating deep technical expertise with disciplined claims oversight, we enable clients to respond decisively and navigate critical moments with clarity, speed, and confidence.”
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Learn moreThis 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.
This website is intended to be informational and is solely for the use of properly licensed insurance professionals. 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 insureds are therefore not protected by such funds. Coverage may only be obtained through duly licensed surplus lines brokers.
