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    Kirsten Shastri

    Kirsten Shastri

    Underwriter - International Life Sciences & Miscellaneous Medical

    Life sciences risks present a myriad of exposures in need of expertly crafted coverage. Beazley offers a flexible, innovative and client-focused approach to underwriting this class of risk.

    Organisations operating in the life sciences arena face a unique risk landscape and need insurance protection that has been designed by experts for their specific needs.

    The risks can come in many forms ranging from unsafe products and causing pollution to negligence in clinical trials. The liability on those responsible when things go wrong can be significant and the challenges are growing with an increasingly litigious world, new regulation and greater dependency on technologies.

    Beazley’s underwriters and claims team have a deep understanding of life sciences and have created a broad, flexible policy to meet the current and emerging needs of the sector.


    A wide range of organisations can benefit from Beazley’s specialist cover for life sciences, including:

    • Device manufacturers, contract manufacturers and distributors for:
      • Surgical/medical equipment and supplies
      • Non-implantable and implantable devices
      • Genetic testing kits
      • Dental and imaging devices
      • Analytical instruments
      • Tissue/allografts
      • Blood, embryo and sperm banks.
    • Contract research organisations
    • Biotechnology & biologics
    • Pharmaceuticals
    • Nutraceuticals
    • Prescription & over the counter (OTC) injectables/ topicals and oral drugs
    • Optical products
    • Drug delivery
    • Pharmaceutical support services
    • Clinical trials of any kind including:
      • Pre-natal
      • Infants, children, youths
      • Elderly – impaired capacity
      • Emergency
      • Pre-clinical, phase I through phase IV.
    • Pre-clinical research models
    • Site management organisations
    • Vaccines: live/killed viruses & DNA
    • Testing laboratories
    • Domestic veterinary drugs.


    • Products liability (CM)
    • Professional indemnity
    • Public liability
    • Clinical research services – negligent act, error or omission
    • Medical malpractice
    • Clinical trials – no-fault compensation & legal liability
    • Claims made coverage.




    Up to US $25,000,000

    Policies are written on our comprehensive life sciences insurance form and are available through either our Lloyd’s syndicate or “A-rated” European Insurance company, Beazley Insurance dac (designated activity company).

    Spotlight on nutraceuticals

    The growing market for nutraceutical products takes numerous forms, and targets a vast array of wellness and lifestyle issues. Drawing on extensive experience, through our specially tailored NutraGuard product, Beazley is perfectly placed to help nutraceutical clients protect their operations worldwide.


    • Dietary supplements:
      • Vitamins/minerals
      • Supplements
      • Herbs/botanicals/homeopathy
      • Sports nutrition
      • Weight management
      • Energy products
      • Sexual performance.
    • Food & beverage
    • Personal care products
    • Cosmetics & skincare
    • Select over-the-counter drugs & topicals
    • All levels within the supply chain:
      • Importers/raw material distributors
      • Manufacturers
      • Contract manufacturers
      • Private label
      • Wholesale and retail distribution.

    Life sciences team


    Kirsten Shastri

    Underwriter - International Life Sciences & Miscellaneous Medical

    Kirsten Shastri

    London, UK

    Evan Smith

    Focus Group Leader - Global Miscellaneous Medical Healthcare

    Evan Smith

    Chicago, IL, USA

    +1 416 777 6884

    Life sciences forms


    Life sciences brochure