Life Sciences

Our detail-oriented team of professionals has over 40 years of combined experience. With extensive industry knowledge and loyal market relationships, we can help you provide the broadest coverage offerings in the industry to your insured clients.

Benefits of Brown & Riding

  • Technical Expertise – comprehensive understanding of coverage exposures and placement of necessary coverage limits, terms, and conditions
  • Form Analysis – recognize coverage nuances and deficiencies among varied Claims Made coverage forms
  • Problem Solving – complex claim triggers in policy forms; ERP/tail and IBNR solutions and assistance
  • Manuscript Solutions – Mergers & Acquisitions; discontinued products and various contractual obligations
  • Market Intelligence – respected relationships with the Life Sciences market community, offering latest coverage enhancements
  • Superior Service – total industry access and coordination across all lines of coverage with a single team access point

Target Classes: Human and Animal

  • Drugs – ethical, generic, biosimilar, over-the-counter
  • Devices – diagnostics, dental, DME, minimally invasive – invasive, permanently implantable
  • Clinical Trials – both domestic & foreign, including locally admitted placements and DIC/DIL cover
  • Nutraceuticals – ingestible, consumable, topical, injectable
  • Clinical Research Organizations – sponsored & non-sponsored, including sites
  • Blood – blood, blood plasma, and tissue products
  • Labs – laboratories and testing facilities
  • Telemedicine – prescribing, diagnosing, testing & consulting
  • Med Tech – applications and products
  • Contract Manufacturing & Distributors – OEM, private label, and proprietary

Primary & Excess Liability

  • Products & Completed Operations – including collateral coverage lines
  • Errors & Omissions – stand-alone or combined CGL / Products / E&O
  • CGL & Incidental Medical / Professional – combined policy
  • Discontinued Products / Operations – multi-year policy terms
  • Tail Cover / IBNR - Manuscript Coverage – Claims Made coverage expertise
Coverage Risk Description Limits
GL / Professional / Excess OTC Disease Test Kits incl. Counseling $15,000,000
GL / Professional Implantable Brain Stimulation – Clinical Trial $12,000,000
GL / Professional Athletic Concussion Screening Device $5,000,000
Product Liability Manufacturer of Obsolete Drugs / Generics $5,000,000
Product Liability Animal / Human Crossover Drugs Distributor $5,000,000
Product Liability Nutraceutical Supplement Manufacturer $5,000,000
Product Liability Energy Drink Manufacturer / Distributor $7,000,000
GL / Professional Infectious Disease Testing Laboratory $10,000,000
Product Liability Hormone Drug Therapy – Clinical Trial $10,000,000
Product Liability Craniofacial Implants $5,000,000
Clinical Trial Opioid Patch Clinical Trial $5,000,000
GL / Professional Component Orthopedic CMO to OEM $10,000,000
Product Liability MFG / Processor of Blood Plasma and Tissue Products $10,000,000
Excess Liability Pediatric Pharmaceutical Clinical Trial $10,000,000
Discontinued Products Orphan Drug Manufacturer $10,000,000