Life Sciences

Life Sciences

Committed to Life Sciences

More than 30 years of experience insuring medical innovation throughout the world.
 
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Life Sciences

Innovative Coverages

We know your life science clients have unique coverage needs. That’s why we have over 30 specialists in underwriting, operations, risk engineering and claims. Our life science leadership team has an average of 20+ years of experience.

Who We Serve

We can help protect companies who make products or provide services regulated by the Food and Drug Administration, including:
  • Biotechnology
  • Contract service providers supporting the Life Science industry
  • Dietary supplements
  • Medical devices
  • Pharmaceutical drugs
  • Veterinary products

Specialty Coverages: Where Innovation and Insurance Meet

We know not every life science business will face the same exact risks. With more than 5,000 customers around the world, we understand your clients’ needs will rapidly change. That’s why we offer specialized coverage solutions – regardless of what stage their business is in. We provide:
 
  • Package policies include property, premise liability, automobile, umbrella, inland marine, crime, equipment breakdown, and workers’ compensation
  • The Hartford Life Sciences EliteSM combines four critical coverages – product and professional liability, human clinical trial liability, errors and omissions liability and cyber liability – into one form to address gaps between different exposures
  • Excess Follow-Form Liability
  • Admitted coverage is available in some states for primary and excess products and professional liability
If your client needs coverage overseas, we can also support them. The Hartford’s Multinational Choice offers a spectrum of coverage options in more than 200 countries

Our industry-specific coverages:

  • Cover research materials, prototypes and spoiled, contaminated or condemned property
  • Protect against property and liability risks that can come up during pre-clinical and early stages of development, as well as full manufacturing, distribution, contract manufacturing and global operations
  • Provide coverage for human clinical trials
Digital Health

Meeting Digital Health Needs

The rapidly changing digital health industry requires specialized partners to meet its needs.
 
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Reducing Claims Costs Takes Knowledge and Dedication

Our claims team understands that reputation is one of your client’s most valuable assets and that defending it is one of our fundamental responsibilities. Backed by more than 200 years of experience, we’re dedicated to restoring your clients’ lives and businesses. We provide:
 
  • Experienced, local claims specialists
  • Highly specialized staff and panel counsel across many jurisdictions with expertise in defending life sciences matter
  • Seamless and responsive claims handling across coverages
We take a collaborative approach to how we handle claims with our insureds – making certain the right attorney is assigned to the right case to get the most cost-effective results.

Taking the Risk Out of Risk Management

Our designated risk engineering specialists, located around the country, understand the life sciences industry and can help your clients with:

  • Identifying possible product hazards
  • Addressing water, smoke or fire risks in a lab or medical manufacturing plant
  • Transferring contractual risks
  • Industrial hygiene consulting
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Specialized Support

We make it our business to figure out how to best support our customers. For your life science clients, that means fully understanding their business, needs and risks they face. We can help you customize insurance policies, so they get coverage specific to their company.
 
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Why The Hartford

Ethical company award
200+ years
 
This outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. Coverage may not be available in all states or to all businesses. Possession of these materials by a licensed insurance producer does not mean that such producer is an authorized agent of The Hartford. To ascertain such information, please contact your state Department of Insurance or The Hartford at 888-203-3823. All information and representations herein are as of June 2020.
About Surplus Lines Coverage
The coverage(s) identified in this general product description may be written on a surplus lines basis. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. Surplus lines coverage is underwritten by Navigators Specialty Insurance Company, Maxum Indemnity Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI.