Life sciences liability

Our life sciences liability program is designed for Canadian biotechnology, pharmaceutical, medical, and research and development companies. It provides comprehensive yet flexible coverage that can be customized to suit your clients’ specific needs. From small start-ups to large established companies, we can assist. Our underwriters understand the unique and evolving nature of this class of business.

Scientist hands using microscope

Our flexibility and capacity allows us to offer you solutions for your challenging risk, while providing the security your client requires. We have earned the reputation as a reliable market with extensive expertise, excellent products and quality of service for commercial insurance brokers nation-wide. Our Life Sciences Liability program defines this philosophy.

Scope of cover

Coverage features

  • $10M capacity
  • Clinical trials cover (including no-fault compensation)
  • Legal Costs paid in addition to limits
  • Minimum premium $4,000
  • Premises liability
  • Primary or excess coverage available
  • Products and completed operations
  • Worldwide coverage territory (including the US)

Target classes

  • Biotechnology companies
  • Medical device manufacturers and distributors
  • Pharmaceutical companies
  • Research and development companies
  • Veterinarian products

Coverage enhancements

  • Barcode coverage
  • Biocontamination and extended pollution coverage
  • Errors and Omissions (E&O) coverages available
  • Extended reporting period (ERP) options available
  • Government-mandated products withdrawal expense cover available
  • Product tampering coverage
  • Voluntary products withdrawal expense coverage available