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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, Health, Science and Technology  412-995-2254
Paige Stiefel  (AL, AR, CT, FL, GA, KS, KY, LA, MA, ME, MS, MO, NC, NH, NM, RI, OK, SC, TN, TX, VA, VT & WV)  629-213-8058
Heather Warner  Allied Health Underwriter, Countrywide  847-285-9092
Christina Errico  Allied Heath Claim Manager  212-613-4294
Joan Bliss  Central Region (CO, IA, ID, IL, IN, MI, MN, MT, ND, NE, OH, SD, UT, WI & WY)  612-605-6147
Julie Freitag  Life Science Claim Manager  312-506-8166
Suzanne Gough  Life Science Underwriter, Mid-Atlantic Region (DE, MD & NY)  732-623-5666
Marcos Perez  Life Science Underwriter, Mid-Atlantic Region (NJ & PA)  267-234-9884
Paige Stiefel  Life Science Underwriter, New England & South Regions  629-213-8058
Jeff Mayes  Life Science Underwriter, Pacific NW & West Coast Region (AK, AZ, CA, NV, OR & WA)  949-255-4851
Kelly Cole  Life Science Underwriting Assistant  732-623-5650
Joan Bliss  Nutraceuticals & dietary supplement countrywide and Life Sciences Underwriter  612-605-6147
Melissa Slater  Package policies Underwriter Assistant  847-285-9005
Eric Rush  Package policies Underwriter, Countrywide  312-506-5163