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Life Sciences Insurance from GMG Insurance

Our region is home to a number of life sciences companies, including manufacturers of medical devices, pharmaceutical and dietary supplement companies, biotech firms, and analytical labs, to name a few. These companies need more than just commercial property and general liability insurance. At GMG Insurance, we provide solutions that cover the specific needs of those in the life sciences industry.

Types of Coverage

We partner with insurers who offer errors and omissions insurance, coverage for your entire staff, product liability insurance, pollution liability, coverage for research and development with animals, human clinical trial insurance, business income insurance and more.

If you are doing product development or testing, you may also need coverage for spoilage or contamination of products. Equipment breakdown insurance is a good, broad coverage that serves the life sciences niche well. Privacy liability is also important in case data from clinical trials is lost or stolen, enabling others to view or distribute information on trial participants.

We also can obtain coverage for bodily injury arising out of use or exposure to your products, even if the product was sold in prior years by a company you have since acquired. We have worldwide coverage, which can be extremely important for intellectual property claims against your company as well as product liability claims.

Notes on R&D

The life sciences industry generates a substantial amount of its income from research and development. It’s important that the future value of that R&D be somehow insured against losses due to business shutdowns. GMG Insurance has access to policies that recognize the role of R&D and cover its operating expenses through a business income policy.

Other Considerations

Our specialists work hand in glove with your firm and the insurer to establish correct valuation of your facilities, equipment, samples, research records, software and other property. We dig to find policies that cover your mobile equipment, your critical people, your data and your reputation. GMG Insurance isn’t satisfied until you have the best coverage for your exposures and your budget.

We give full attention to detail and partner with the best insurers.

Turn to GMG Insurance for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us at (215) 497-9240; (800) 540-7900; or email at