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Clinical Trials Insurance
Clinical Trials Insurance
At Chubb, we recognise that clinical trials are pivotal to advancing the life science industry, and understand the complex risks involved in protecting these operations. That is why our liability insurance solution can be tailored for single clinical trails or large multinational trial programmes, ensuring compliance and timeliness every step of the way.
With Chubb’s Clinical Trials Insurance, your company is covered for liabilities (both No-Fault Compensation and Legal Liability) arising from clinical trials conducted locally or overseas, and across all participant, disease and product types.
Highlights and Features
Our trials policy covers your activities for these areas:
Clinical trial liability in all trial phases
Liability for injury to a research subject, including no-fault compensation
Single clinical trials
Blanket programs
Domestic and multinational clinical trials
Drugs or medical device testing – including implantable devices and vaccines
Locally admitted, non-admitted and master policy programs
Fronting for large captive trial programs
Indemnity extended to clinical research organisations and ethics committees
Our insurance for clinical trials protects businesses, institutions and professionals like these:
- Biotechnology businesses
- Pharmaceutical manufacturers
- Medical device companies
- Hospitals
- Universities and colleges
- Research institutes
- Physician groups
Key Coverage Benefits
WORLDcert™ is Chubb’s state-of-the-art, interactive clinical trial insurance and certificate management system. Designed to make securing coverage user-friendly and efficient, WORLDcert™ provides details of clinical trial insurance requirements worldwide, relays important insurance information, and enables issuance of clinical trial insurance quotes and certificates instantly* – giving clients unprecedented control over the certificate and insurance management process.
*Instant certificate issuance available in 34 countries
Chubb’s clinical trials product offers a range of extra covers for events . These include expenses incurred for product recalls, media relations costs following subject injury, medical monitoring of uninjured subjects exposed to the product, and liabilities arising from a breach of research subject’s private information.
We provide automatic extended reporting periods in line with local market expectations and regulatory requirements. Our trial product also includes our Extended Liability feature, providing certainty of coverage for future claims arising from a circumstance notified to us or correlated to a claim made against you during the policy period.
How a strong, well-designed insurance programme multi-pronged coverage response deals with the challenges of a clinical trial
In a series of scenarios we explain the significant losses life sciences companies can face when conducting clinical trials – and the coverage needed to keep them protected amid ever-changing risks.
Why Chubb?
- Partnership that’s personal
We work to understand your business and where you’re heading so we can be proactive about meeting your insurance needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.
- Creative problem-solving
Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is constantly evolving because we’re always helping our clients avoid or mitigate risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.
- Unmatched expertise and financial strength
We’ve served clients and partnered with leading organisations around the world for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business
FAQs
Clinical trials insurance covers legal liability for injury to a research subject and, where required, No-Fault Compensation for claims made during the policy period or within the standard extended reporting periods (additional periods can be added if requested). The policy can be annual or cover the whole trial duration, where permitted.
Clinical trials insurance is designed for organisations that conduct or sponsor clinical trials. The sponsor is the entity or person that initiates, organises and supports the clinical trial and takes responsibility for the overall conduct of the trial, including liability for injuries that may be suffered by patients. Examples of organisations that should have clinical trials insurance include pharmaceutical companies (solely or jointly with other research institutions such as universities and hospitals); private research organisations under a grant from government or from public donations; and publicly funded research organisations, such as universities and teaching hospitals.
Certificates issued within 24 hours for a select group of territories.