Insurance products and coverage
that address your unique needs

Life science firms face a number of exposures throughout the life cycle of their business that BioSure’s insurance programs are designed to address. 

The BioSure team of professionals make the insurance procurement process simple and easy because we are trained in your industry. We attend industry events, trade shows and seminars, conduct in depth discussions with operators of life science firms, read journals, and regularly speak with scientists and attorneys regarding FDA regulations. 

Every member of our team, from service personnel, underwriters, claims handlers and loss control specialists speak your language. We are all committed to providing services and coverages that you need, at prices you can afford.

The insurance companies that we represent recognize our skill set and provide us with the tools we need to be successful. We leverage these relationships to your advantage and provide custom coverage that takes into account your unique needs.

Offering a full range of insurance products and coverage that address your unique needs

Product Liability

Product Liability

Product liability insurance protects your business from legal liability if injury or damage results from the use of your products. In the life science field, liability exposures are abundant. They come from many different sources, including consumers, vendors, and third-party actors. BioSure offers a wide range of product liability solutions, covering bodily injury and property damage.

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Workers Compensation

Workers compensation insurance protects your life science business and your employees in the event of an accident, illness, or death. All compensation benefits are regulated by State, not the insurance company. This commoditizes the product. We work with insurers that have the lowest rates and those that will reward you with large dividends when you have little to no losses. Most importantly, our team of loss control experts works with you to eliminate common causes of employee injury to ensure you get these dividends year after year.

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Property Insurance

Life science companies have unique property that is not normally covered on the standard insurance forms. BioSure knows how to secure coverage for assets such as lab animals, biologics, and raw ingredients that are temperature and humidity sensitive. Our property insurance can help cover the cost to repair or replace equipment, inventory, computers, personal property, and other business tools in the event of theft or damage.

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Directors and Officers

Directors and Officers liability insurance, also known as D&O insurance, is designed to protect the individuals within an organization from personal loss if they are sued as a result of serving as a director or officer of the organization. BioSure’s D&O solutions may also cover regulatory defense fees the organization incurs as a result of a regulatory investigation.

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Clinical Trial Coverage

BioSure’s industry-leading clinical trial coverage encompasses clinical trials liability, medical expense, professional liability, and clinical trial compensation guidelines. Specialized trial knowledge and underwriting expertise means BioSure is uniquely qualified to help coordinate your clinical trial insurance programs. Worldwide coverage is available, with claims coordination through BioSure’s expansive life science network.

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Automobile

BioSure’s automobile insurance solutions not only protect cars, trucks and utility vehicles owned by the company, but your employees’ personal vehicles as well when driven for use in the business. Our broad coverage will extend to hired and borrowed automobiles as well.

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Ocean Cargo

Many life science companies source ingredients and ship finished product overseas. Our cargo policy is the broadest in the market. We cover your goods, anywhere in the world, by any means of transportation with usually only four exclusions related to insured infidelity. Many of our cargo polices contain profit-sharing dividends to reward good loss experience.

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Cyber Insurance

A “robustly” crafted cyber policy will put a cyber-breach coach at your side and cover just about every cost associated with a breach, including HIPAA investigation expense as well as third-party damages. Life science firms have unique needs that need to be considered when designing important coverage.

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Committed to providing services and coverages you
need at a price you can afford.

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