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
CoverageRisk DescriptionLimits
GL / Professional / ExcessOTC Disease Test Kits incl. Counseling$15,000,000
GL / Professional Implantable Brain Stimulation – Clinical Trial$12,000,000
GL / ProfessionalAthletic Concussion Screening Device$5,000,000
Product LiabilityManufacturer of Obsolete Drugs / Generics$5,000,000
Product LiabilityAnimal / Human Crossover Drugs Distributor$5,000,000
Product LiabilityNutraceutical Supplement Manufacturer$5,000,000
Product LiabilityEnergy Drink Manufacturer / Distributor$7,000,000
GL / ProfessionalInfectious Disease Testing Laboratory$10,000,000
Product LiabilityHormone Drug Therapy – Clinical Trial$10,000,000
Product LiabilityCraniofacial Implants$5,000,000
Clinical TrialOpioid Patch Clinical Trial$5,000,000
GL / ProfessionalComponent Orthopedic CMO to OEM$10,000,000
Product LiabilityMFG / Processor of Blood Plasma and Tissue Products$10,000,000
Excess LiabilityPediatric Pharmaceutical Clinical Trial$10,000,000
Discontinued ProductsOrphan Drug Manufacturer$10,000,000