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Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.

...lab technicians Mental health clinics, counselors, psychologists, social w...gent care centers, behavioral health clinics, therapists, optometrists, and si...

At Worldwide Facilities, our dedicated NutraRisk team specializes in the unique exposures of the life sciences and nutraceutical markets. We offer targeted insurance solutions for manufacturers, distributors, researchers and service providers—helping retail brokers place appropriate coverage for clients ranging from early-stage startups to established enterprises. With deep industry knowledge and broad market access, NutraRisk streamlines placement for complex product and clinical risks. Ideal Accounts and Appetite The Nutraceuticals & Life Science Insurance program is intended for businesses involved in product development, manufacturing, research, testing and distribution across the life sciences spectrum. Typical classes we write include: Dietary supplements and vitamin manufacturers Energy drinks, bars and functional beverages Herbal and botanical products Cosmetics and personal care goods Pharmaceutical and biotechnology firms Clinical trial sponsors and contractors Medical centers, research institutions and universities Pet health and animal supplement products Raw material suppliers and ingredient manufacturers Bedroom and wellness product manufacturers Our appetite covers both emerging ventures and mature businesses. You might place a client launching an herbal supplement line, a contract manufacturer supporting multiple brands, or a biotech startup preparing for first-in-human studies. Coverage Highlights and Advantages Worldwide Facilities offers flexible, industry-focused terms to address the product and clinical liability exposures common in life sciences. Key coverage components include: Commercial General Liability — available on claims-made or occurrence forms Products Liability, including Products/Completed Operations Discontinued Products coverage Clinical Trials Liability for sponsors and clinical service providers Product Recall Expense (through semi-exclusive markets) Mergers & Acquisitions liability options Extended Reporting Periods and programs designed for new ventures Additional program features: Primary limits from $1M to $10M Excess capacity up to $100M Blanket broad form vendors coverage where appropriate Miscellaneous E&O and aggregated deductible options Hired & Non-Owned Auto and worldwide coverage territory available Underwriting Notes We place business with a range of admitted and non-admitted carriers depending on the risk profile and jurisdiction. Worldwide Facilities’ underwriters are experienced with complex exposures and can assist with hard-to-place accounts, prior loss experience, and novel product formulations. Minimums and program eligibility vary by class—underwriters will evaluate formulation, manufacturing controls, labeling, quality assurance, distribution channels and claims history when considering terms. Territories and Availability The program is available nationwide — all 50 states and Washington, D.C. — with the carrier flexibility to write in states that have more nuanced regulatory requirements. Why Work With Worldwide Facilities? As a Managing General Agency and Excess & Surplus Lines broker, Worldwide Facilities couples underwriting expertise with market access. Our NutraRisk division focuses exclusively on life sciences and nutraceutical risks, giving retail brokers a dedicated partner for placement, policy servicing and claim navigation. We support new ventures as well as established firms and can help position accounts to secure broader capacity, specialized endorsements, or recall solutions when needed. Learn more and submit applications at nutrarisk.com. Get in touch! Contact us here: nutrarisk.com/contact Frequently Asked Questions What types of accounts are a good fit for this program?This program targets dietary supplement manufacturers, biotech firms, clinical trial sponsors, pet product companies, contract manufacturers, and other life science businesses with product or clinical liability exposure. Can you help with startup or new venture risks?Yes. We offer tailored programs for new ventures entering the life sciences or nutraceutical markets, including guidance on product controls and placement options for first-time manufacturers. Is this program available in all states?Yes. The program is available nationwide, including all 50 states and Washington, D.C., though specific terms may vary by jurisdiction and carrier. What coverage limits are available?Primary limits generally range from $1 million to $10 million, with excess capacity available up to $100 million, depending on the account and carrier appetite. Do you offer product recall coverage?Yes. Product recall expense coverage is available through semi-exclusive markets as part of the program—availability depends on the product class and underwriting review. Need help placing an account? Connect with a market specialist.

... Medical spas and aesthetic clinics Providers performing Botox, derm...esthetic practitioners, and wellness clinics that offer injectables, laser ser...

...litation facilities Community clinics, family planning clinics, rural health clinics Allied health schools and colleg...cilities program?The program targets clinics, rehab facilities, dialysis cente...