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Life sciences insurance

Insurance solutions to manage reputational risk and keep the focus on what you do well

A life sciences insurance partner you can trust

NFP provides specialist advice and services that are fully in tune with the particular needs of this industry. Life sciences is very different to other industries and as a result needs bespoke insurance solutions that only a very experienced and specialist broker can provide.

  • Access to specialist policy coverages
  • 25 years of life sciences industry experience
  • Unrivalled risk and claims management services


We have extensive experience in this sector, having acted for leading life sciences companies for over 25 years. We have experience in acting for multi-national life science organisations and have built up an extensive network of global partners to support us to manage these complex risks.


NFP has developed key relationships to ensure access to the specialist insurers and policy coverages needed by this industry.


Our long experience and in-depth knowledge in the industry means we know exactly the services life sciences clients need. We have the specialist expertise to comprehensively manage your risks, and support you through the claims process, should the unexpected happen.

Tailored insurance strategies for your life sciences business

Between healthcare reform, constantly changing regulations and operational issues, insufficient policy limits and complex coverages, risk is coming at you from all directions. Our experts work with you to understand your unique situation, meet your needs, help protect you and advance your business goals.

Whether you’re in healthcare, hospital, primary care and service side of the industry or enabling those providers through your pharmaceutical, cosmetic, or nutritional supplement operation, we’ll help insure your people, your products and your programmes from start to finish.

The risks encountered in this industry are significantly different to other sectors, and for that reason it is imperative that customers work with a broker who has the knowledge and market relationships that can deliver the unique protections necessary.

An MRI machine

What kind of life sciences businesses do we work with?

Our commercial insurance team has extensive experience in building tailored protection solutions for all types of life sciences organisations:

Primary care

Hospitals and surgical centres

Pharmaceutical and biotech companies

Device manufacturers

Labs and imaging centres

Which specialist insurances might you need if you operate in the life sciences industry?

Deterioration of stock

This type of cover can be arranged if there is a risk that goods, drugs or materials you use in your projects are impaired due to refrigeration malfunction or accidental damage.

Clinical trials

Ethics committees and review boards often require proof of insurance before they’ll allow your trial to start. We can put in place insurance that covers both negligent harm to trial participants and non-negligent harm, and which pays for any resulting legal and compensation costs.

Intellectual property

Our experts can build you a policy to cover the legal costs to pursue or defend an IP claim.

Speak to one of our life sciences insurance specialists

Our team of specialists will manage your risks and claims pro-actively, and use their vast experience to find the best insurance solutions for your business.

Here for all your business insurance needs

When considering how to protect your business, it's important to think about the kind of work you do, and the potential risks you may face. However, there are some types of insurance cover that all types of businesses might need. NFP can help you implement a full package of protection for your business, your assets and your people.

Our cover provides protection for your building and contents against damage from adverse events.

NFP can help you protect your profits if you are left unable to trade after an unexpected event like a break-in, fire, or failure in your supply-chain.

We’ll ensure you have access to specialist technical and data protection consultants to help you mitigate a cyber event, such as a hack or data breach, and protect your professional reputation.

We'll help to provide your business with support if you are liable to pay costs relating to personal, property or environmental damage.

Whether you need cover for a single business trip, or for an ongoing programme of travel, we can design a package that protects you and your people in the event of cancellations, accidents and medical emergencies, lost baggage, delays, and emergency evacuations.

We can help you to protect your business against loss of profits and keep you trading if an employee with crucial skills, knowledge, experience or leadership becomes seriously ill or passes away.

Legal expenses insurance covers the cost of defending a legal claim, such as employment disputes, compensation awards, property protection, bodily injury, tax protection, or a health and safety prosecution.

Our cover will help mitigate the risks faced by you and your senior leaders, by providing legal advice, and covering defence and compensation costs relating to legal claims.

As motor fleet specialists, we’re uniquely positioned with direct access to specific markets for both general and specialist fleet services.

Our public liability insurance protects your business against the cost of personal injury or property damage claims made by your clients or members of the public.

We'll help to provide your business with support if you are held liable for injury, illness or damage caused by a defective product.

Request a call back from one of our commercial insurance specialists

To discuss your requirements, fill out the form below and we will be in touch.