Life sciences

Life Sciences Startup Insurance

Life-science startups can need insurance before they look like a conventional trading business because funders, landlords, labs, universities, sponsors, manufacturers and trial partners may all expect evidence of cover.

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Who It Is For

  • Biotech, diagnostics, medtech and pharmaceutical startups
  • University spin-outs and funded R&D businesses
  • Pre-revenue or early revenue companies preparing contracts, lab work or trials

Cover To Review

  • Public liability, employers' liability and lab contents
  • Professional indemnity, cyber and IP-related exposure
  • Products or clinical-trial liability where human-use exposure begins
  • D&O or management liability for founders and boards

Underwriting Detail

  • Funding stage and ownership structure
  • R&D activity, lab locations and equipment values
  • Contracts, grant obligations and partner requirements
  • Product pathway, trial status and regulatory controls

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Life Sciences Startup Insurance FAQs

Can a pre-revenue life-sciences startup get insurance?Often yes, but insurers need a clear activity description, funding position, contracts, lab arrangements and any human-use exposure.

What cover do investors usually care about?D&O, cyber, professional indemnity, product or trial liability and key asset cover can all matter depending on the business stage.

When does product liability become more important?It becomes more important as products move towards testing, supply, clinical use, sale or distribution.