How much does CRO insurance cost?

A Texas CRO at $5M-$20M revenue typically pays $80,000 to $220,000 annually for a full specialty insurance program. The components are clinical trial professional liability ($5M-$10M tower), cyber ($3M-$10M tower), sponsor MSA-required additional lines, D&O, EPL, and fiduciary.

Smaller CROs at $1M-$5M revenue typically pay $20,000 to $45,000 annually. The driver at this size is the number of active CTAs and the largest sponsor cyber demand.

Larger CROs at $20M-$100M revenue with multinational sponsor portfolios typically pay $250,000 to $650,000 annually. Admitted-paper local policies for international trial activity add material cost beyond US-only programs.

The biggest premium movers: ransomware loss in last 36 months (+30 to 100%), no MFA on remote access (+20 to 50%), more than 100,000 patient records under management (+15 to 40%), international trial sites (+10 to 25%). Premium credits: SOC 2 Type II (-5 to 15%), ISO 27001 (-5 to 10%), 24/7 SOC monitoring (-10 to 20%), low prior claim history (-5 to 15%).