Research, development and innovation exposure

Life Sciences R&D Insurance

Research and development businesses can carry professional, product, cyber, IP, property and contractual exposures before a product is fully commercial. The review should explain the research stage, customer promises and how the work could create loss.

Review life science R&D cover Speak to a specialist

R&D stage review Contracts and IP context Innovation market appetite

Specialist review before market approach

Life sciences R&D insurance review for research-led biotech, pharma, diagnostics, medical technology and applied science businesses.

Insure24 can help prepare the underwriting story, but cover and terms always depend on the risk details, disclosure, wording, controls and available market appetite.

Who this helps

Biotech, medtech, diagnostics and pharmaceutical R&D companies.
Businesses developing prototypes, formulations, devices, platforms or regulated technology.
Research-led startups needing evidence of cover for investors, landlords, grants or commercial partners.
Firms unsure whether PI, product liability, cyber, property, D&O or trial cover is the main issue.

What markets usually need

Research activity, development stage, intended application and whether human or clinical use is involved.
Grant, investor, university, sponsor, customer or collaboration contracts.
Laboratory, prototype, testing, data, IP, subcontractor and overseas exposure.
Previous incidents, known problems, quality systems and required insurance clauses.

Market context

R&D appetite is shaped by development stage, human or animal exposure, product criticality and contracts.
Some exposures are professional or contractual before they become product liability risks.
Insurers often need to understand IP ownership, data, outsourced work and who relies on the research output.

Why R&D needs a separate page

A manufacturing page can be too late-stage for businesses still developing, testing, validating or licensing the product.

Pre-revenue businesses may still need landlord, investor or partner evidence.
A research error can create financial loss even without a product injury claim.
The policy structure may change once trials, manufacture or distribution starts.

How to prepare the submission

The best submissions explain the research pathway and the commercial consequences if something goes wrong.

Describe the science in plain English.
Separate laboratory, advice, prototype, clinical and product exposures.
Provide contracts and requested clauses before terms are sought.

Related specialist routes

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