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Innovator
Chubb Commercial Insurance

Emerging life science companies face unique challenges. With decades of experience in the life science industry, Chubb understands the risks facing companies where innovation is a business imperative. Innovator from Chubb is specifically designed to help protect emerging life science companies from the outcome of unforeseen events.

Innovator is designed to be flexible in these initial stages of your business. And as your business grows so does the cover from Chubb. We have experience providing creative solutions for the life science industry. So we understand the environment you are in as well as the dangers you may face.

The life science Innovator policy has six core components that can be purchased in certain combinations.

Innovator is flexible so you can choose the type of insurance package you need and the limits that are appropriate for your business.

  • Commercial property covers office and laboratory exposures including; buildings, business and personal property, tenants’ improvements, laboratory equipment, stock and electronic data processing equipment
  • Business interruption covers the increased cost of doing business and gross revenue or gross profit loss after an insured event.
  • Research and development operations covers research and development property and expenditure
  • Products and public liability covers legal liabilities to employees and third parties
  • Employers liability covers your legal liability to employees
  • Professional indemnity liability provides cover for breach of professional duty
  • Business travel covers medical expenses, travel cancellation, money and personal liability


Please contact one of our Innovator brokers to find out more