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Clinical Trials Insurance


Chubb’s clinical trial cover looks after the unique needs of the life sciences industry

We understand clinical trials help drive the life sciences industry – that’s why our insurance offering responds to the challenges these activities present. Your company is protected for liability (Legal Liability and No Fault Compensation) arising from single trials and multiple trials in the UK or overseas. Clinical Trials Insurance covers all types of trial participants, diseases and products.



Who it’s for

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

What it covers

Our trials policy covers your activities for these areas:

  • Clinical trial liability in all trial phases from I to IV
  • Liability for injury to a research subject
  • Single clinical trials
  • Multinational clinical trials
  • Indigenous and multinational multiple trial programmes
  • Products and medical devices – including implantable devices and vaccines
  • Locally admitted, non-admitted, freedom of service and master policy programmes
  • Fronting for large captive clinical trial programmes
  • Extended indemnity for clinical research organisations and ethics committees
  • Legal liabilities and no-fault compensation



Coverage after a delivery accident

A business purchased Occupational Personal Accident coverage for its delivery drivers. When a driver was involved in a serious traffic accident, the policy provided a weekly benefit to the company so they could secure a temporary replacement driver during their absence.



Chubb’s state of the art, interactive clinical trial insurance and certificate management system, WORLDcert, has been designed to make securing coverage more user-friendly and efficient. WORLDcert provides details of Clinical Trial insurance requirements worldwide, and relays important insurance information, enables issuance of clinical trial insurance quotes and certificates… in most cases, instantly. WORLDcert, gives unprecedented control over the certificate and insurance management process.

Why Chubb?
Why Chubb?

We’re experts in clinical trial insurance – and we care about your business

Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in clinical trial insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.

Partnership that’s personal 

We work to understand your business and where you’re heading so we can be proactive about meeting your 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 always evolving because we’re always helping clients avoid 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 for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business.



Certificates issued within 24 hours for a select group of territories. 

Legal Liability for injury to a research subject and 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 are conducted or sponsored by a wide range of organisations, including:  pharmaceutical companies, either solely or jointly with other research institutions such as universities and hospitals; private research organisations under a grant from government or from public donations; publicly funded research organisations, such as universities and teaching hospitals. In short, 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 .

Have a question?
Have a question?

Talk to one of our experts