LIFE SCIENCE R&D Comprehensive Package Insurance

An innovative insurance product that allows companies in the R&D chain to cover their unique risk exposures.

LIFE SCIENCE R&D Comprehensive Package Insurance

To provide a solution for your clients in the Life Science R&D arena, JH Insurance have developed a highly competitive product providing Comprehensive Package Insurance with Lloyd's of London an 'A' Rated (AM Best's) Carrier.

This is an innovative insurance product that allows companies in the R&D chain to cover their unique risk exposures in the context of their business and funding models.

Companies in the R&D chain, including:

  • Drug developers
  • Contract Research Organizations (CRO)
  • Contract Manufacturing Organizations (CMO)
  • Contract service providers

We are currently offering this product to a selected number of Agents and as such would like to introduce you to some of the features of the program.

  • 15% commission
  • Available nationwide
  • 90% of quotes provided within 48 hours
  • Damage to R&D property
  • “flexible first loss” business interruption cover
  • Third Party Liability
  • Products Liability
  • Errors & Omissions
  • Ideologically motivated attacks


Traditional “fire & perils” policies only go part way to covering the potential for damage to R&D Property.
This policy goes much further, providing cover:

  • At premises throughout the supply chain and whilst in transit
  • With a wide definition of “stock” including documents and electronic data
  • For damage or spoilage resulting from power outage, equipment breakdown, contamination and ideologically motivated attack
  • For full stock re-creation costs, including those attached to repeating completed R&D
  • For undamaged property when condemned by a competent authority

We recognise the importance of reaching milestones within budget and that R&D expenditure tends to ramp up in the approach to significant events such as clinical trials. This policy therefore provides flexible and comprehensive Business Interruption cover. Benefits include:

  • Disruption due to damage at supply chain premises, even if there is no damage to the insured’s property
  • Loss or damage to stock in transit
  • A first loss sum insured that can compensate for lost revenue, unproductive R&D expenditure, committed costs and project delay costs without sublimit
  • No weekly sublimit

This policy provides broad, specialist liability cover, including:

  • Product and services liability covering third party property damage, bodilyinjury and financial loss on a seamless basis ensuring no gaps or overlaps
  • Clear, unambiguous cover for breach of a client contract
  • Clinical trial insurance available for single trials, or on an annual multi trial basis with the cover limit separate to, or aggregated with, product and services liability
  • Comprehensive general liability, including pollution and contamination, tenants' legal liability, employee benefits liability, non owned and hired auto and medical expenses
  • Cover for suits brought anywhere in the world as standard

All this at very competitive prices.

To obtain a quote all we need is a completed Application Form. Life Science Application Form

JH Insurance Services
Lic # 0F19717

JH Intermediaries Ltd
One America Square, London EC3N 2LS

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