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      Property & Casualty: LIFE SCIENCES      
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Life Sciences
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Navigators Re
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Protection & Indemnity

Navigators Life Sciences specializes in insurance products to meet the dynamic needs of the Life Sciences industry. Our products protect Life Sciences firms in all phases of their development, from Product Liability, Professional Liability, Management Liability, General Liability and Property Coverage. Our policies are written on a Claims Made basis by Navigators Specialty Insurance Company, a non admitted carrier, and Navigators Insurance Company, an admitted carrier, while international policies are written by Navigators Syndicate 1221 at Lloyd’s of London.


Customer Profile:

  • Therapeutic and diagnostic biotechnology companies
  • Pharmaceutical companies
  • Generic pharmaceutical companies
  • Contract research organizations
  • Contract manufacturers
  • Medical device manufacturers, component manufacturers and wholesalers

Minimum Premium: Varies depending on the risk, ranging from $3,500 to $7,500 per million


Capacity: Up to $15 million (primary or excess)


Distribution: Retail & Wholesale


Territories Where This Product Can Be Provided: Worldwide


Key Features:

  • Integrated coverage forms
  • Flexible terms and conditions, customized for the individual risk characteristics
  • Blanket clinical trials coverage available
  • Multi-year policies available for certain classes
  • Worldwide coverage territory for product liability, product & professional services liability & excess liability policies
  • True claims-made coverage, not claims-made & reported
  • Clinical trial medical payments coverage available
  • Mitigation expense coverage up to $250,000
  • Class 1 product recall expense reimbursement coverage up to $250,000
  • Network Security Liability up to $1,000,000


Submission Guidelines: 

  • Signed application
  • 5 years currently valued loss runs
  • Audited financial statement
  • Clinical trials summaries
  • Sample service contracts and indemnification agreements when professional services liability is required
  • Informed consent documents

Download forms and applications



Information contained herein is for informational purposes only and shall not constitute an offer.  All coverages may not be available in all locations.  Only the policy itself can confer specific coverage and benefits.  Contact your Navigators representative for more information.

Linda Schultz   Senior Vice President/Practice Leader  412-995-2254
Heather Warner  Allied Health Countrywide  847-285-9092
Christina Errico  Allied Heathcare’s Claim Manager  212-613-4294
Joan Bliss  AR, CO, IA, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NM, OK, OH, SD, TX, UT, WI, WY12345  612-605-6147
Julie Freitag  Life Science’s Claims Manager  312-506-8166
Cara Ripoli  Life Science’s Underwriting Assistant  267-234-9889
Marcos Perez  Mid-Atlantic Region FL, NJ, PA  267-234-9884
Terri Ralff  New England & Southeast Regions AL, CT, DE, GA, MA, MD, ME, NC, NH, NY, RI, SC, VA, VT, WV  617-261-8408
Suzanne Gough  New York City, TN  732-623-5666
Joan Bliss  Nutraceuticals & dietary supplement accounts countrywide; and Life Sciences Central Region  612-605-6147
Jeff Mayes  Pacific NW & West Coast AK, AZ, CA, NV, OR, WA  949-255-4851
Eric Rush  Package policies, in support of Product & Professional policies Countrywide  312-506-5163