Technology & Life Sciences

We empower technology and life science organizations by matching your unique risks with customized risk management solutions that protect you.

Our clients specialize in basic and applied research and development (for profit and not-for-profit organizations), software development, hardware manufacturing, real estate holding and development, medical products manufacturing, nanotechnology, semiconductor manufacturing/fabrication, biotechnology, pharmaceutical manufacturing/distribution, as well as other similar “new economy” type industries.

We provide the following industry-specific services:

  • Review of contractual agreements including insurance clauses associated with bid specifications, indemnification and hold harmless agreements, performance guarantee clauses, sponsor agreements, technology transfer/licensing agreements, human clinical trials, employee service arrangements, and merger/acquisition documents.
  • Loss Prevention and claim cost containment programs
  • Disaster Recovery Planning
  • Pre- and Post-accident Investigation Programs
  • Supervisory Safety Training and Development of Formal Safety Programs
  • Driver Training Programs
  • Fleet Maintenance Programs
  • Loss Control Inspections
  • Return to Work Programs
  • HR-related services including:
    • Reviewing and developing policies/procedures
    • Environmental, safety and OSHA compliance
    • Employee handbook assistance
  • Benchmarking Studies/Industry Data
  • 24-hour claim service

We provide the following insurance coverage to our technology and life science clients:

  • Research and Development Property (including coverage for research animals, vivarium, cells/cultures, and the cost to replicate lost research)
  • Business Income Coverage (including loss of R&D income/grant funding)
  • Equipment Breakdown
  • Commercial General Liability (including Product Liability)
  • Clinical Trials Insurance (including Human Clinical Trials)
  • Healthcare Professional Liability/Medical Malpractice
  • Abuse and Molestation Liability
  • Intellectual Property Coverage
  • Patent/Trademark/Copyright Infringement Coverage
  • Environmental Impairment/Pollution Liability Coverage
  • Cyber Liability (privacy/electronic data/HIPAA)
  • Miscellaneous Professional/Errors and Omissions Liability
  • International Coverage (including Foreign General Liability, Property, Automobile, Workers Compensation, Kidnap and Ransom, Accidental Death)
  • Directors and Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Crime/Fidelity
  • Product Recall Coverage
  • Commercial Automobile (including Hired and Non-Owned Auto Liability)
  • Employee Benefits Liability
  • Umbrella/Excess Liability
  • Employed Lawyers Professional Liability
  • Unmanned Aerial Vehicle/Drone Coverage
  • Aircraft/Watercraft Insurance
  • Workers Compensation and Employers Liability