Life Sciences Business Insurance

Life Sciences

Innovative Insurance for Life Science Businesses

We have more than 30 years of experience insuring medical innovation and life science businesses throughout the world.
Life Sciences

Specialized Insurance for Life Science Businesses

We know life science businesses have unique insurance needs. That’s why we’ve built a team to offer specialized insurance for that can help protect them from a wide range of risks.
We’re proud to say we understand your industry. Our life science leadership team has an average of more than 20 years of experience with over 30 specialists in:
  • Underwriting
  • Operations
  • Risk engineering
  • Claims
That means you’ll get insurance coverage meant for your industry with an agent who can tailor your coverage to your specific life science business.
Midsize Life Sciences Business Insurance

Corporate Insurance for Life Sciences: Businesses That Can Benefit from Coverage

We can help protect companies who make products or provide services regulated by the Food and Drug Administration, including:
  • Analytical instruments
  • Biotechnology
  • Contract service providers supporting the life sciences industry
  • Dietary supplements
  • Medical devices
  • Medical research institutions and laboratories
  • Pharmaceutical drugs
  • Veterinary products

Are You a Smaller Firm?

Smaller life science firms require special insurance coverages.

Business Insurance for Life Sciences Businesses: Where Innovation and Insurance Meet

We know not every life science business will face the same exact risks. With more than 5,000 customers around the world, we understand your needs will rapidly change. That’s why we offer specialized coverages – regardless of what stage your business is in, like:
Property Choice® to help protect your life sciences building and the equipment you use to run your company.
Commercial auto insurance, which helps protect you and your employees on the road if you drive for business purposes.
Inland marine to help protect specialized property and cargo that’s in transit.
Crime coverage to help protect your life sciences business from business-related crimes.
Equipment breakdown coverage to help protect your life sciences equipment in the event of a covered Equipment Breakdown Accident.
Workers’ compensation insurance to help your employees recover from work-related injuries or illnesses. Our return-to-work program can help your employees recover from injuries and get back to work faster.
Umbrella & excess liability coverage, which can provide up to a $25 million to help cover certain liability claims.
Multinational Choice, which helps protect your company from losses and claims in over 220 foreign countries. We also offer exporters coverage to help protect your company if it has foreign:
  • Product exposures through exports or sales
  • Suppliers
  • Online advertising
Even if you don’t have a location outside the US or employees traveling abroad, this coverage is important because regular business insurance policies may not cover claims in foreign countries.

Taking the Risk out of Risk Management

Our designated risk engineering specialists, located around the country understand the life sciences industry and can help with:
  • Identifying possible product hazards
  • Addressing water, smoke or fire risks in a lab or medical manufacturing plant
  • Transferring contractual risks
  • Industrial hygiene consulting

Using Knowledge and Dedication to Reduce Life Science Claims

Not all insurance companies are the same. We have over 200 years of experience and our claims teams are dedicated to helping your life science business. While we provide specialized coverages to fit the unique needs of the life science industry, we also offer:
  • Experienced, local claims specialists
  • Highly specialized staff and panel counsel across many jurisdictions with expertise in defending life science matters
  • Seamless and responsive claims handling across several coverages
If you need to file a claim, we’ve got your back. We take a collaborative approach and we’ll make sure the right attorney gets assigned to the right case to get the most cost-effective results.
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Specialized Insurance

We make it our business to figure out how to best support our customers. You can work with an agent or broker to customize a life science insurance policy that’s specialized for your business.
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Why The Hartford

200+ years
financial strength
Ethisphere award
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
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