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Miscellaneous Medical & Life Sciences (Small Business)

Small healthcare and life sciences organizations face a range of increasingly sophisticated risks. In today's litigious business climate, one bodily injury claim has the potential to wipe out a small business's financial resources. Companies with fewer employees on the payroll are also more likely to use the services of a third-party vendor or volunteers, opening up the potential for additional liability.


What we offer

A professional, general, and privacy liability policy available on a surplus line or admitted basis providing up to five towers of coverage on every quote. Additional coverages available for: 

  • Hired and non-owned auto 
  • Business Personal Property 
  • Employee Theft 

Up to US $5M 

Minimum deductible: $0 

Minimum premiums: $1,500 

How can we help

Our underwriting and claims teams work hand-in-hand to explore and create bold solutions for our policy holders; this alliance is unique to Beazley and truly sets us apart in the market. We have a wide range of coverages in various combinations of MPL/GL/EBL/Products Liability.  

Because of this, our appetite is vast and includes bespoke policy wordings for areas such as life science products, service providers, allied health, and telehealth risks. 

Who we can help

A broad spectrum of companies, including (but not limited to): 

  • Diagnostic centers 
  • Home health 
  • Medical laboratories 
  • Medical clinics 
  • Occupational and physical therapy 
  • Imaging centers (CAT Scan, MRI, X-Ray, etc.) 
  • Pharmacies 
  • Outpatient mental health 
  • Outpatient substance abuse treatment 
  • Telehealth 


US - We can also consider risks with non-US operations and/or exposures. Canada – We can consider risks with non-Canadian operations and/or exposures 

The Beazley Difference


Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.


Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11.  


Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

Allegations that laboratory insured provided inconsistent / incorrect laboratory results in patient blood samples.

Your Beazley Team

Jessica Gunter

Jessica Gunter

Underwriter - PE Miscellaneous Medical & Life Sciences

Vancouver, Canada

(778) 373-4432 ext. 1466

Email Jessica

Nadia Simard

Nadia Simard

Underwriter - Specialties & US Programs

Toronto, Canada

(416) 777-7935

Email Nadia