Life Sciences Insurance Solutions

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Growth Spurts Call for Coverage That Does More Than Keep Up

Stay ahead when customers grow fast.
 
Contact The Hartford's Team
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Coverage That Keeps Discovery Moving

Life science companies can grow fast, often in the blink of an eye. They’re just one discovery away from taking their business from a small startup to a global leader. You can help them grow confidently. 
 
Our life science solutions grow and evolve with customers, protecting property, people and operations worldwide. The Hartford’s packages are tailored to their specific needs, so innovation can keep moving forward.
 

Even the most complex needs are well taken care of thanks to our extensive life science experience.

20+
Average years of experience from The Hartford’s leadership.
30+
Years insuring medical innovation.
5000+
Customers worldwide.
30+
Dedicated life sciences specialists across underwriting, claims, risk engineering and operations.

Insurance for Makers of Tomorrow

We help protect midsize and large companies that make products or provide services regulated by the Food and Drug Administration, including:
 
  • Contract service providers supporting the life science industry
  • Cosmetics
  • Dietary supplements
  • Medical biotechnology
  • Medical devices
  • Pharmaceutical drugs
  • Veterinary products
From Prototype to Production: Products and Coverages That Scale

From Prototype to Production

The Hartford’s solutions grow with your business, from research and development and clinical trials to global distribution. Our specialized products and coverages help protect property, people and operations from spoilage, contamination, liability and regulatory risk.

Products and Coverages That Scale

Your clients never stop innovating, and neither do our coverage solutions.
  • Package policies cover property, liability, auto, umbrella, inland marine, crime, equipment breakdown and workers’ compensation.
  • The Hartford Life Sciences Elite℠ bundles product and professional liability, clinical trial liability, errors and omissions (E&O), and cyber liability into one form, helping close coverage gaps.
  • Excess follow-form liability available.
  • Admitted coverage offered in select states for primary and excess product/professional liability.
  • Property: Covers research materials, prototypes, spoilage, contamination, research animals and condemned property.
  • Errors and Omissions (E&O): Helps cover financial loss from design or manufacturing flaws due to negligence.
  • Enforcement Discretion Exception: Covers products under FDA enforcement discretion, supporting innovation before formal approval.
  • Pollution Liability: Covers exposures from product use, waste disposal, third-party sites and transport.
  • Product Shortage Liability: Helps address claims tied to limited product availability and supply chain disruptions.
  • Clinical Trials No-Fault: Covers participant injuries before and after trial involvement, aligned with EU and global standards.

Reinventing Risk Management Guidance

A safer workplace drives stronger performance. The Hartford’s risk engineering team helps assess exposures, prepare for potential losses and train employees in safety best practices. With customized strategies and deep industry insight, we protect people, operations and profitability.

Insights To Help Navigate Life Science Risks

General Product Description
This general product description is information only and designed for insurance producers. It is neither an offer to sell nor a solicitation to purchase any particular insurance product and may not be disseminated to the general public. This general product description outlines the coverage(s) that may be afforded under a policy from The Hartford. All policies should be examined carefully for suitability and to identify all exclusions, limitations and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.
 
About Surplus Lines Coverage
The coverage(s) identified in this general product description may be written on a surplus lines basis. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. In connection with the insurance offered herein, the broker is responsible for any disclosure or stamping requirements associated with surplus lines policies, and compliance with any declination, due diligence, or record-keeping requirements for surplus lines policies, and collection and payment of the applicable surplus lines premium taxes and any other applicable surcharges owed on each policy and to make any related filings. Surplus lines coverage is underwritten by Navigators Specialty Insurance Company, Maxum Indemnity Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI.
 
About The Hartford Underwriting Companies
The coverage(s) identified in this general product description may be underwritten by one or more of the property and casualty insurance companies of The Hartford Insurance Group, Inc. In Texas, Arizona, New Hampshire and Washington, this insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois (CT and HI only), Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company (TX only), Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company (except in CT and HI), Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including the underwriting company Hartford Fire insurance Company, under the brand name, The Hartford,® and is headquartered in Hartford, CT. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com.