The typical stack
- Professional and Tech E&O
- Product liability for diagnostics and devices
- Clinical trial liability where applicable
- Cyber (research and health data)
- D&O (a heavily diligenced line in this sector)
What triggers the purchase
- First clinical or lab deployment
- Grant and institutional customer requirements
- Regulatory milestones that change the risk profile
What your customers require
Institutions and pharma partners require specific liability lines and limits, and they verify them. This sector rewards a broker who reads the actual agreement.
Programmes that write this segment
Standalone GenAI liability policy (deployers). Access via our wholesale partners.
Specialty carrier, affirmative AI wording. Access via our wholesale partners.
Lloyd's MGA, affirmative AI wording across lines. Access via our wholesale partners.
Not sure where you fit? Take the coverage quiz and we will map the stack from your answers.
Frequently asked questions
Is life sciences D&O different?
Underwriters price regulatory and trial risk into it, and diligence is deeper. It is still management liability, but expect more questions and more value from a broker who knows the sector's forms.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.