Do CAR-T and cell therapy companies need special insurance?

CAR-T and other autologous cell therapies carry exposures that a standard biologic does not, so the program is built around them. The therapy is made from an individual patient's own cells, so a lost, contaminated, or mis-identified batch cannot simply be re-manufactured, and the patient may be unable to be treated. That makes a manufacturing loss simultaneously a property, a business-interruption, and a potential liability event, and it puts chain-of-identity and chain-of-custody failures squarely in scope.

On the clinical side, cell therapies can produce severe treatment-related toxicities, which supports higher clinical trial and products liability limits. Cryogenic storage and transport add property and cargo exposure - a freezer failure or a temperature excursion can destroy an irreplaceable product.

So while CAR-T companies buy the same categories of coverage as other CGT developers - clinical trial liability, D&O, products, manufacturing property and cargo, cyber - the sizing and the manufacturing scope are tuned to the autologous, patient-specific reality. It is placed through specialty life-sciences markets that understand the science.