Life Sciences insurance

Specialist tailored insurance

Life Sciences is a global specialist industry spanning multiple legal and regulatory jurisdictions. Exposures vary greatly around the world, and failure to comply with individual countries' specifications can render policies useless. That’s why life sciences organisations need specialist tailored insurance products.

We design insurance programmes to protect your business, ranging from policies for clinical trials to product and professional liability, whatever you do and wherever you operate. 


countries served


premium under management


years of experience

We can combine some elements of these into a package, with a single renewal date to reduce your administrative burden and create a single contact point for all of your insurances

Who we work with

We work with clients directly and with other brokers active in the space, who trust our ability to analyse the risk and deliver specialist solutions.

Our expertise covers:

  • Pharmaceuticals
  • Nutraceuticals
  • Biopharma
  • Medical Devices
  • Biotech
  • Vaccines
  • Research and Development
  • Clinical Trials
  • Contract Research Organisations
  • Contract Manufacturers
  • Veterinary products
  • Cannabis and psychedelics.

We frequently place programmes for major international and multinational businesses, but we’re just as comfortable working with smaller organisations, too.

You won’t have to worry about explaining the intricacies of your field to generalists who don’t understand what you do.

We’ve spent two decades in this space. We know the risks, and more importantly, we know how to create risk solutions that do what they’re meant to do: give you real peace of mind.

What we do

We design bespoke policies for our clients. That means we’ll dig deep into the details of your business, and deliver a programme that’s specifically tailored to your needs.

We offer clients a number of different types of cover, including:

  • Medical malpractice
  • Products indemnity
  • Professional indemnity
  • Public liability
  • Employers' liability
  • Clinical trials cover
  • Medical errors and omissions
  • Vet product cover

We never shirk from a challenge. So, if you don’t see a particular area of cover on this page, don’t worry. We can leverage specialist insurance capacity to design a solution to suit. 

Specialist legal claims assistance

Our claims team and panel of lawyers have dealt with hundreds of cases in this sector.

If a claim goes awry, it tends to be traceable back to how it was initially reported.

By getting the initial claim notification right, you give yourself a much better chance of a successful claim. Our deeply experienced specialist claims handlers know all the mistakes and pitfalls to avoid, and they’ll use that specialist knowledge to guide you step-by-step through the whole claims process.  

Specialist panel of life science claims lawyers

As part of our commitment to helping you get better results from your claims, we’ve engaged the service of a full panel of lawyers who specialise in life science and clinical trial cases.

They’re ready and waiting to share the hard-won insights they’ve earned through more than 40+ years of combined experience in the sector.

Start demanding better from your broker

Let's talk...

020 45 02 37 16

We'll put you in touch with the person best equipped to help.

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Frequently asked questions

Your largest risk is usually product liability or professional indemnity. Life Science products and services are most often related to the medical industry where a person could be injured or property damaged if your product is faulty or your advice is not up to scratch. A Howden policy will pay for a specialist legal team to defend you and also pay compensation to the injured patient, client or product user.

Yes - We work to understand where your clients and customers are based, where your offices are, and where claims could be brought against you; then design a policy to cover you only where you need it.

As a leading independent insurance broker, we’re free to choose from a wide range of providers, to create the most comprehensive and suitable policy for you. Howden has established partnerships with some of the world’s leading providers of Life Science underwriting and risk management services. We only use minimum A-rated insurers with experience of the unique complexities of the Life Science industry. All claims are handled with the utmost professionalism by trusted and experienced staff with in-depth knowledge of the field.