Pharma & Life Sciences
Manufacturers, R&D Units & CROs
Pharmaceutical companies carry product liability exposure that extends across supply chains and national borders. A contamination event, a regulatory recall, or a clinical trial adverse event can produce losses that standard commercial policies are not designed to absorb.
Contact usKey Exposures
- Product recall and contamination liability
- Clinical trial participant liability
- Regulatory action and licence suspension
- Intellectual property infringement claims
- Supply chain and raw material disruption
Coverage Framework
- Product Liability & Recall Insurance
- Clinical Trials Insurance
- Industrial All-Risk & Property
- Marine & Transit Cover
- Business Interruption
- D&O & Management Liability
Pharma & Life Sciences
Common questions about Pharma & Life Sciences coverage.
Product liability covers third-party injury claims from defective products. Product recall covers the cost of withdrawing the product from market — notification, retrieval, replacement, and BI. Pharma manufacturers need both.
Yes. CDSCO mandates clinical trial insurance for all phases, including Phase I. Limits depend on protocol risk, participant count, and indication. We structure cover that meets regulatory minimums and protects sponsor interests.
We arrange worldwide territorial limits including USA/Canada extensions where relevant. Cover wording is critical — exclusions for off-label use, unapproved indications, or jurisdictional gaps can leave significant exposure unaddressed.
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Could one product, regulatory or clinical event disrupt your business?
We'll help identify exposures across product liability, recall, clinical trials, intellectual property, supply chain and business interruption.
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