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Life sciences accounts can range from straightforward to highly complex. Some clients simply need liability coverage for established product lines. Others may seek protection for new biologics, emerging pharmaceuticals, or cutting-edge medical devices that don’t fit neatly into traditional insurance categories.
Kinsale’s Life Sciences Division embraces that variety. Our consistent appetite spans:
From blood banks and beauty products to immune supplements and even cannabis, kratom, and psilocybin coverage, we’ve built expertise across the full spectrum of health-related products.
Life Sciences Liability insurance provides specialized coverages that include Commercial General Liability, Products/Completed Operations Liability, and Professional Liability. Together, they provide a broader scope of protection, covering claims stemming from product failures, clinical trial errors, intellectual property disputes, professional negligence, and more.
New life sciences innovations, technologies, and products emerge nearly every day, creating a fast-paced field where insurance coverages—and brokers who access them—can’t afford to lag behind.
Whether your account is introducing a product to market, expanding distribution, or managing risky clinical trials, providing the necessary coverage at the right time is critical. For brokers, that means working with a carrier that understands the complex risks of Life Sciences accounts and delivers quick, customized quotes and coverage when it matters most.
At Kinsale, our Life Sciences Division operates with brokers in mind:
Put it all together, and the result is best-in-class customer service from start to finish.
Delays in obtaining insurance coverage don’t just cause frustration to life sciences businesses, they can stall projects, complicate regulatory compliance, and cost valuable market opportunities. That’s why brokers need a carrier that can deliver answers quickly, with a commitment to fast turnaround and responsive service.
Consider these common insurance situations:
In each case, the broker who can deliver a timely, tailored solution can earn client loyalty and positions themselves for future opportunities.
The Life Sciences industry thrives on innovation and rapid change. Biotech startups often operate on tight timelines as they seek funding, regulatory approval, and market access. Pharmaceutical companies adjust production cycles to align with seasonal demand. Clinical trial managers face strict deadlines tied to research protocols.
Kinsale’s underwriters understand these pressures. Our Life Sciences Division leverages industry expertise to provide lightning-fast turnaround—often within 24 hours—so you can deliver coverage when it’s needed.
Winning and retaining Life Sciences accounts requires a carrier that can provide consistent, reliable service throughout the process. At Kinsale, we pride ourselves on best-in-class support, offering:
This commitment allows brokers to build stronger account relationships. When your accounts experience fast turnaround, clear communication, and coverage designed around their specific exposures, you become a trusted advisor and a go-to for future coverage needs.
Of course, quick quotes without the right coverage will get you nowhere. Brokers need to have confidence that they’re accessing coverages that match their accounts’ unique exposures. That’s why we offer multiple liability lines:
Our policies include primary limits up to $10M and follow-form excess up to $10M, available on both a supported and unsupported basis. Our flexibility allows you to tailor solutions to fit risk characteristics, client budgets, and evolving business needs.
At Kinsale, we know brokers are navigating a competitive E&S market. That’s why we’ve built our Life Sciences Division to handle hard-to-place risks and to stand out with:
Our goal is simple: to give brokers the tools they need to win and retain Life Sciences accounts while providing support at each step of the process.
Your Life Sciences clients don’t have time to wait, and neither do you. You can send Kinsale a submission and often receive a quote in hours—not days. That speed, backed by service, flexibility, and a broad and consistent appetite, is what sets us apart in the market.
Start my custom Life Sciences quote now
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