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Specialists in Life Science

Tailored insurance packages

Multinational insurance solutions

At Chubb, we understand Life Science. We dig deeper to identify current and emerging issues faced in this sector, so our clients have the confidence to get on with their business.  As specialists in Life Science risks, we have the right tools, knowledge and wealth of experience to allow us to service clients effectively and professionally.  Many of the world’s leading and upcoming Life Science companies trust their insurance to Chubb. Globally, we have been specialists in this niche insurance sector for nearly 40 years.

Being at the top of our game doesn’t mean we are complacent. We are highly competitive and seek to drive new products to respond to emerging market development. Thanks to our team of Life Science specialist underwriters, we can provide access to the best global insurance programmes built for Life Science risks.

Product Solutions provided by Chubb Experts

The Life Science package protects Irish and global insureds against:


Buildings and Contents Property Coverage

Business Interruption

R&D Operations



Scientific Animals

Global Facilities


Professional Liability

Contractual Liability and Performance Failure

Reputational Injury

Privacy Injury

Intellectual Property Injury



Employers Liability

Premises Liability

Products and Services Liability

Human Clinical Trials

Multinational Placement


Cyber Enterprise Risk Management

Cyber Incident Response

Cyber Business Interruption

Data and System Recovery Costs

Cyber Extortion

Cyber Crime Financial Loss

Telecommunications Fraud

Who we insure

We can write policies for a broad range of Life Science companies, including:

  • Medical Device Companies
  • Pharmaceutical / Biotechnology Companies
  • Dietary Supplement Companies
  • Healthcare Product Service Organisations
  • Analytical/Research  Laboratories
  • Healthcare Information Technology Companies

Product highlights:

  • No business description
  • Claims made basis (not claims made and reported)
  • Research and Development operations cover
  • Automated clinical trial certification
  • Indemnity to a wide range of parties
  • Tailored solutions such as Accident & Health and legal expenses
  • Contractual & negligence liability-based coverages
  • No basis clause, warranties or conditions precedent
  • Clear division between bodily injury and financial injury
  • Privacy, reputational and cyber security breach coverages
  • Bodily injury from a Cyber Attack / Security Breach
  • Automatic cover for extended use (compassionate use) of clinical trial products
  • Professional Liability includes delay in delivery & counterfeit goods


Why choose Chubb?

Award-winning claims service

Our specialist Life Science claims teams across the globe aim to provide the highest level of expertise as well as consistency of approach throughout the life of a claim. We handle all claims in-house and clients have a single loss adjuster to liaise with throughout the process.  Our claims philosophy is built upon providing vital, efficient and professional support for our insured customers at their time of need.

Multinational expertise

Many companies seeking growth are exposed to a multitude of new and complex risks.  We understand how challenging this can be and to support these businesses we offer bespoke multinational programmes tailored to meet the need of clients around the globe and in challenging markets. 

We offer policies on a mono-line or full-package basis, so you get the cover that’s right for you.

Specialist risk engineers

With a global network of 550 risk engineers, Chubb has been providing risk management, loss mitigation and prevention serviced to our clients around the word for many years. We have market leading risk engineers with expertise in contractual liability, cyber and business continuity as well as in Life Science property and casualty.

Documents and downloads:

  • Life Science Industry Practice – a guide for brokers
  • Clinical Trials factsheet
  • Life Science claims factsheet
  • Life Science appetite factsheet