Life SciencesLiability

SPECIALTY INSURANCE FOR LIFE SCIENCES OPERATORS

Life sciences insurance built for biotech, medical device, CDMO, CRO, compounding, 503B, and digital health.

Life Sciences Liability is a Texas-led specialty insurance practice for founders, CFOs, GCs, and Quality leaders at biotech, medical device, CDMO, CRO, compounding pharmacy, 503B outsourcing, GLP-1, and diagnostic lab operators. We translate the insurance section inside sponsor MSAs, GPO supplier schedules, PBM credentialing packets, hospital purchase contracts, clinical trial agreements, and 503B outsourcing agreements - then rebuild programs that pass. Placed in all 50 US states. End-of-day SLA on review requests.

  • CDMOs
  • CROs
  • Medical Device
  • Biotech
  • Compounding
  • 503B
  • GLP-1
  • Diagnostic Labs

What Life Sciences Liability does

Life Sciences Liability is a specialty insurance practice that reads contracts before it places programs.

Decode

Decode any insurance schedule

Sponsor MSA, GPO supplier agreement, PBM packet, 503B hospital contract - the analyzer translates every clause into plain English with negotiability notes.

Decoder results5 clauses
  • CGL $5M / $10M
  • AI for Products/CompOps
  • Primary & Non-Contributory
  • 30-day Notice of Cancellation
  • Waiver of Subrogation

Compare

See the gap before binding

Compare your sponsor's insurance schedule against your current COI line-by-line. Red/yellow/green flags on every requirement.

GapEndorsement

Additional Insured - Products / Completed Ops

Required
Blanket AI for products + completed ops on a primary/non-contributory basis
Current COI
AI for ongoing operations only - products/completed ops excluded
Action
Add CG 20 10 + CG 20 37 endorsement at renewal

Depth

Coverage built for the contract

We don't write generic packages. We rebuild the program around the contract requirement.

  • 49clauses translated
  • 23Q&As
  • 8sub-verticals

All 50 states

Texas-led. Programs placed in all 50 states.

We anchor in Texas - the largest US 503B cluster - and place specialty life-sciences programs in all 50 US states plus DC, with deep practice content on the 16 states that anchor the major US life-sciences clusters.

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Modern sterile pharmaceutical cleanroom with workers in PPE

We don't write insurance. We rebuild the program around the contract.

Generalist agents place CDMOs and 503Bs in standard manufacturer packages. The placement looks fine on the COI - it falls apart at first claim. We start from the contract requirement and build the program backward.

Get a Coverage Review

Free Insurance Requirements Analyzer

We tell you which requirements your current program likely meets and which need work.

Select the insurance requirements you see in any life-sciences contract - sponsor MSA, GPO supplier agreement, PBM credentialing packet, hospital purchase contract, clinical trial agreement, or 503B outsourcing agreement. We will translate each one and offer a free clause-by-clause review on request.

  1. 1Context/
  2. 2Clauses/
  3. 3Your Program/
  4. 4Results/
  5. 5Full Report

First, some context.

We use this to tailor which clauses you are likely to encounter. Nothing is recorded yet.

Sponsor type

Your company type

WHAT THE SPONSOR MSA SAID

// Sponsor MSA, Section 14.2 - Insurance

Manufacturer shall maintain commercial general liability insurance with limits of not less than $5,000,000 each occurrence and products and completed operations aggregate of $10,000,000, naming Sponsor as additional insured on a primary and non-contributory basis with waiver of subrogation and 30-day notice of cancellation.

WHAT THE CURRENT COI HAS

  • $5M occurrence / $10M aggregate - limits match
  • Additional insured for ongoing operations only - missing products/completed ops endorsement
  • No primary/non-contributory wording - needs endorsement
  • Subrogation rights retained - needs waiver endorsement
  • "Endeavor to provide notice" - does not satisfy 30-day requirement
  • 49clauses translated
  • 23in-depth Q&As
  • 50states served
  • 1 dayresponse SLA

Free coverage review

A specialist will reach out by end of business day.

Send the contract, the sponsor's insurance schedule, or the renewal COI - whatever you have. A specialist returns a clause-by-clause read by end of business day.

Get my coverage review

A specialist will reach out by end of business day.

Your details only schedule the review. No marketing sequences, no list rental.