Life Science Insurance

What is Life Science Insurance?

The research and production of medical-related products are complex, as such the risks associated with inadequate insurance cover can be costly. Due to the range and impact of claims against life science companies they may be considered high risk by most insurers.

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Why Choose Jensten?

We’ve worked with a range of clients within the sector to help protect from the most common claims for their specific business. From CROs to the production and manufacturing of implantable medical devices, we can work with you to mitigate risks to your business to create a suitable level of cover.

Our team understand the intricacies of your industry and will work with you to understand the specific insurance requirements you have.  Because of this, we know how to approach insurers to make sure we can protect your business with a fitting and competitive policy.

Want to know more about Life Sciences Insurance?

Our team are happy to help with any enquiries you may have about life sciences insurance as well as anything else we may be able to assist with.

What Cover Do I Need For My Life Science Insurance Policy?

Public Liability Insurance

Public liability offers cover against a negligent injury, death or property damage caused to a third party because of your work. 

Employer’s Liability Insurance

For all workers, you will require employers liability insurance, even for part-time, temporary or contract staff. This can assist in covering the costs related to an employee being injured while working for you and any subsequent legal action that may be taken as a result

Product Liability Insurance

If the products you produce cause injury or death then product liability insurance can help to cover the costs involved with settling a legal case as a result. If you produce medical devices then this can be essential. 

Clinical Trials Insurance

Clinical trials cover shields you against your legal liability for injury to research subjects and damage to their property. Because clinical trials can be long, drawn-out affairs with sometimes unexpected results, clinical trial cover can help avoid awful surprises and provide peace of mind.

Business Interruption Insurance

Covering your lost revenue when you are unable to operate can make a considerable difference, especially when serious damage caused by an insured peril has occurred that prevents you from opening. If you’re unable to open as a result of certain unforeseen conditions, this can help cover the lost revenue as a result.

Is There Anything That Is Not Commonly Covered In A Standard Policy?

When creating a policy covering the most pertinent risks, it is essential to ensure that your business has the correct cover in place. You should be aware of what a standard policy typically excludes. Our  team may be able to help mitigate these risks in certain scenarios, with access to multiple providers. 

Common exclusions:

  • Mould
  • Pollution
  • Certain clinical trials
  • Confiscation by government, public, local or customs authority
  • Radioactive contamination
  • Fines and penalties
Life Science Study
Life Science Research

Find The Right Life Science Insurance For You

With our brokers, you can be confident in the fact that your claim will be dealt with in a respectful and efficient manner by our team.

For more information on our life science insurance, simply contact the team. Alternatively, you can request a call back. Our team will be more than happy to discuss your policy needs and any combined policy options such as IT insurance coverage.

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            • Our Promise

              We only insure qualified Medical Professionals for Injectable Treatments

              We are completely independent and trade with integrity – which means we always act in your best interest to place your business with an insurer that’s right for you.

              We work with a team of experts from medical solicitors, qualified health and safety clinical specialists, accountants and Patient Consultation Technology companies to bring together the best services to robustly protect your organisation from every angle.

              We take the time to fully understand the DNA of how your organisation operates by visiting you in person to fully review all the varying exposures within your business and provide guidance, risk management advice and look at any gaps or exposures in cover you may have and implement an insurance solution designed to meet your needs.

              We’re here to defend you, we only work with insurers who take a strong stance against defending claims and involve you every step of the way.

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                            • IMPORTANT UPDATE FROM LLOYD’S

                              Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

                              Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at www.lloyds.com/brexittransfer

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