top of page
Life Sciences Insurance Solutions
Comprehensive Insurance Solutions for Life Science Companies
Scientist placing test tube samples in a centrifuge for processing, representing comprehensive life science insurance by Gaylord Insurance.
Tailored Coverage for Life Science Innovators
The life sciences industry is dynamic, complex, and ever-evolving. At Gaylord Insurance, we understand the unique challenges and risks faced by life science companies. Our specialized insurance products and services are designed to support your growth and innovation, ensuring you have the protection you need at every stage of your operations.
Targeted Insurance Solutions for Key Life Science Sectors
We provide tailored insurance solutions for a wide range of life science sectors, including:
Scientist conducting experiments in a lab, showcasing Gaylord Insurance's tailored insurance for research and development in the life sciences sector.
Pill bottle knocked over with pills spilling out, highlighting the need for pharmaceutical and biological product manufacturing insurance by Gaylord Insurance.
Research and Development
Pharmaceutical and Biological Product Manufacturing
Secure comprehensive insurance solutions tailored for Research and Development companies. Our coverage includes protection for biotechnology, physical sciences, and engineering projects, ensuring your innovative work is safeguarded at every stage. Benefit from specialized support and flexible policy options to meet the unique needs of R&D operations.
Protect your pharmaceutical and biological product manufacturing business with our tailored insurance solutions. We offer robust coverage for prescription and over-the-counter drugs, as well as vaccines and biologics. Ensure your operations are compliant and secure with our comprehensive liability and risk management services.

Research and Development Sectors: • Research and Development in Biotechnology • Research and Development in the Physical, Engineering, and Life Sciences (except Biotechnology) • Research and Development in the Physical, Engineering, and Life Sciences (except Nanotechnology and Biotechnology)

Pharmaceutical and Biological Sectors • Pharmaceutical Preparation Manufacturing • Biological Product (except Diagnostic) Manufacturing

Patient walking on a treadmill with a medical device, representing Gaylord Insurance's specialized insurance for medical devices and instruments.
Blood tube in a lab, symbolizing the importance of insurance for testing and laboratory services provided by Gaylord Insurance.
Medical Devices and Instruments
Testing and Laboratory Services
Get specialized insurance for medical device and instrument manufacturers. Our policies cover non-invasive and invasive devices, surgical instruments, and medical supplies. Benefit from comprehensive protection, including product liability and regulatory compliance support, designed to meet the needs of the medical technology industry.
Ensure your testing and laboratory services are fully protected with our tailored insurance solutions. We offer coverage for analytical labs, medical testing facilities, and research labs. Our policies include liability coverage, error and omission protection, and support for compliance with industry regulations.

Medical Devices/Instruments Sectors: • Surgical and Medical Instrument Manufacturing • Surgical Appliance and Supplies Manufacturing

Testing and Laboratory Sectors: • Testing Laboratories • Medical Laboratories • Analytical Laboratory Instrument Manufacturing

Our Commitment to Life Science Companies
Why Choose Gaylord Insurance's Life Science Insurance Solutions?

Experienced Team: Our Products Liability and Life Sciences Claims team boasts 20+ of years experience in insurance, with carriers who have 30+ years of insuring life science operations. Our expertise spans underwriting, claims, and loss control.

Comprehensive Coverage: We offer true claims-made coverage with flexible retention options and worldwide coverage. Our policies include broad automatic additional insured coverage and a non-erosive deductible.

Specialized Support: Our Risk Solution Services and internal claims handling team are dedicated to supporting your operations, providing the resources needed to navigate the complexities of the life sciences industry.

Policy Highlights
  • True Claims-Made Coverage: Ensures that you are covered for incidents that occur and are reported during the policy period.

  • Automatic 90-Day ERP: Extended Reporting Period to ensure you remain covered after the policy ends.

  • Batch Provision: Provides coverage for multiple claims arising from a single occurrence.

  • Waiver of Subrogation: Where required by contract, we waive our right to seek reimbursement from a third party.

  • Primary Non-Contributory Coverage: Where required by contract, our policy provides primary coverage without seeking contribution from other policies.

  • Broad Definition of Damages: Includes a wide range of potential damages to ensure comprehensive protection.

Life Science Insurance Core Coverages
  • Products-Completed Operations Liability
  • Errors or Omissions Liability (Claims-Made)
  • General Liability (Including Advertising and Personal Injury)
  • Biological Agents Liability Coverage
  • Class 1 Product Recall Expenses Coverage
  • Privacy Breach Notification and Mitigation Expenses
  • Medical Monitoring Expenses (Clinical Trials and Product Recalls)
  • Healthcare Services Liability Coverage
  • Employee Benefits Liability Coverage
  • Fire Damage Legal Liability Coverage
Target Classes

We provide insurance solutions for a wide range of life science operations, including:​

  • Research and Development: Pre-clinical, non-clinical laboratory testing, and clinical trials.

  • Pharmaceutical Operations: Prescription, over-the-counter, and active pharmaceutical ingredients.

  • Medical Device Operations: Non-invasive, invasive, and implantable devices.

  • Dietary Supplement Operations: Vitamins, minerals, herbal products, amino acids, enzyme supplements, and hemp-derived CBD products.

  • Biotechnology: Advanced biological and genetic research and applications.

Quoting Requirements

To provide an accurate quote, we require the following:

  • Signed/Dated Life Sciences Supplementary Application

  • Five Years of Currently Valued Loss Runs

  • Audited Financial Statement

  • Product Labels (if applicable)

  • Informed Consent Documents/Protocol Documents and Investigator Brochure (if applicable)

  • Sample Service Contracts and Indemnification Agreements (if error or omission liability is requested)

Contact Us

Ready to secure the best insurance solutions for your life sciences company? Contact us today to discuss your needs and get a personalized quote. Our team of experts is here to help you navigate the complexities of the industry and ensure your operations are protected.

Stay ahead in the life sciences industry with Gaylord Insurance. Follow us on social for the latest updates and insights.

Don't miss out on our informative webinars and articles designed to help you manage risks and grow your business.

Thanks for submitting!

  • LinkedIn
  • Facebook
  • Instagram
  • YouTube
bottom of page