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



    Target market

    A wide range of businesses can benefit from Beazley’s Life Sciences. For those organisations with an annual turnover of less than £10m within the appetite of research and development for medical devices, clinical trials or testing and laboratories , we would be pleased to discuss our Life Sciences for Small Business product designed specifically for small businesses.


    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 forms

    Application forms

    Life Sciences application form


    Life sciences brochure

    Wordings / policies

    Life Sciences wording - claims made
    Life Sciences wording - occurence
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