Insurance for the Life Science Industry

What we can do for you

Bringing you a dedicated team of life science specialists supporting the research and development, design, manufacture and distribution of medical devices and pharmaceuticals.

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Tailored policy wording to suit your business requirements

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A single point of contact for all of your insurances

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Innovative life science products providing worldwide solutions

Our experts are here to help

Let's talk...

020 45 02 37 16

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

Drop us a message and we'll get back to you as soon as possible

Life Science Insurance

Life Sciences is a global specialist industry spanning multiple legal and regulatory jurisdictions. We design insurance programmes to protect your business, whatever you do and wherever you operate.

Our expertise covers:

  • Pharmaceuticals
  • Nutraceuticals
  • Biopharma
  • Medical Devices
  • Biotech
  • Vaccines
  • Research and Development
  • Clinical Trials
  • Contract Research Organisations
  • Contract Manufacturers

If your service is not listed above please contact us, we will be able to help.


Whilst every medical facility is different, we do find that most require a tailored combination of:

  • Product liability
  • Professional Indemnity
  • Public and Employers’ Liability
  • Directors’ and Officers’/Management Liability
  • Cyber Insurance
  • Medical Professional Liability
  • Buildings and Contents Insurance including change in controlled environment and condemnation of undamaged stock
  • Business Interruption
  • R&D Property, Expenditure and Income
  • Machinery Breakdown
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

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.

We can arrange the cover you need

Let's talk...

020 45 02 37 16

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

Drop us a message and we'll get back to you as soon as possible