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Primary Life Science Insurance: Discover LS Prime® and LS Prime® Advantage

Through LS Prime®, our nonadmitted solution, and LS Prime® Advantage, our admitted solution, we offer primary products liability and Errors and Omissions coverage.

Life Science Liability Insurance Life Science Liability Insurance

LS Prime® Advantage

Whether a life science company is in the preclinical stage, or a Fortune 1000 company with numerous products on the market, our scalable insurance offering addresses the emerging issues faced by life science companies of all sizes.

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  • Up to $15M in limits

  • Bodily injury, property damage, and medical monitoring expenses 

  • Coverage for mental anguish without physical injury, explant expenses, and products subject to Enforcement Discretion (not yet FDA approved) 

  • Punitive damages coverage - full limits where allowable by law 

  • Worldwide liability and defense coverage for companies selling products in the U.S. and globally, and for service organizations working on behalf of life science clients 

Watch our video for more information on key features and highlights about Designated Products or Substances Exclusion.

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Additional Key Features

A scientist follows Standard of Procedure and uses an instrument in the laboratory.

With “ease of doing business” in mind, LS Prime® Advantage was designed with important coverages and features automatically incorporated. Features may be standard insurance “checklist” items, and others are unique to the life sciences.

 

Watch our video for more information on key features and highlights about the Broker's Checklist.

A scientist follows Standard of Procedure and uses an instrument in the laboratory.

LS Prime®, our Nonadmitted Offering

Our nonadmitted paper allows the ultimate flexibility to meet the needs of even the most unique risks.

 

Created by life science insurance specialists exclusively for life science innovators, our LS Prime® solution helps our insureds manage risk intelligently while harnessing the latest technological and scientific breakthroughs to advance the quality of human life.

A scientist uses a micropipette while following a scientific procedure.
  • Up to $15M in limits 

  • Products and Completed Operations Liability 

  • Clinical Trial Liability, including Personal Injury (PI) and Abuse or Molestation 

  • Stop Loss or Clinical Trial Medical Payments Expense

  • Errors and Omissions Liability 

  • Product Withdrawal Expense 

  • Product Shortage 

  • Medical Monitoring Expense 

  • Cyber and Privacy Liability 

  • Companion package policy available to address property, general liability, worker's compensation, and other insurance needs 

  • Underwritten on behalf of insurance companies rated A+ (Superior) by A.M. Best Company with Financial Category of XV

A scientist uses a micropipette while following a scientific procedure.

Helpful Links

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Ready for an insurance solution that is comprehensively tailored to your client’s life science business by life science insurance specialists? Let’s get started.

LS Prime® Advantage Brochure

Download our LS Prime® Advantage Features and Benefits brochure.

LS Prime® Advantage Approved State Filings

Explore our approved state filings for our admitted products. Our non-admitted coverages are available in all 50 states.