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MedFirst®

MedFirst State-of-the-Art Coverage for Medical Technology Companies

The evolution of software and electronics for medical devices, as well as the transferring of electronic personal identity records, is creating a new combination of risks in the medical technology industry. To address these risks, MedFirst combines three liability insurance coverages - products/completed operations liability, errors & omissions (E&O) liability, and information security liability - in a single insurance policy.

MedFirst Combines Three Important Coverages:

  1. Products/Completed Operations Liability Coverage for damages because of bodily injury or property damage included in the products/completed operations hazard, which includes bodily injury arising out of your work for a clinical trial.
  2. Errors & Omissions Liability Coverage for consequential or compensatory damages due to economic loss that arises from your products or your work and is caused by an error, omission or negligent act.
  3. Information Security Liability Coverage for failure to prevent unauthorized access to, or use of, personal identity information or protected health information of others. Our information security liability coverage for medical technology companies responds to failures to prevent unauthorized access to, or use of, personal identity information or protected health information as defined by the Health Insurance Portability and Accountability Act (HIPAA) of 1996.

MedFirst Plus Coverage Enhancements:

  1. Product Recall Expenses Coverage reimburses the named insured for certain product recall expenses directly attributable to a class I recall of medical or biotechnology products from the coverage territory. The recall must be initiated by the named insured during the policy period and the products must have been physically relinquished to others.
  2. Security Breach Notification and Remediation Expenses Coverage reimburses the named insured for certain expenses directly attributable to a security breach that is caused by an information security wrongful act.
  3. Crisis Management Service Expenses Coverage reimburses the named insured for certain expenses incurred to mitigate negative publicity directly attributable to a covered errors and omissions wrongful act or covered information security wrongful act. 
  4. Clinical Trial Medical Expenses Coverage provides payment for "medical expenses" for "bodily injury" included in the "products-completed operations hazard" regardless of fault. The bodily injury must arise out of the injured person's participation as a human subject in a "clinical trial."

Insights & Expertise

Medical Technology Companies

Risk Insights for Medical Technology Companies

New medical devices can have side effects: risks. Travelers is open to emerging, unusual, and complex technology risks, and offers insurance solutions tailored to the medical technology industry.

Download Transcript

Risk Insights for Medical Technology Companies

Risk Insights for Medical Technology Companies

New medical devices can have side effects: risks. Travelers is open to emerging, unusual, and complex technology risks, and offers insurance solutions tailored to the medical technology industry.

Download Transcript

New medical devices can have side effects: risks. Travelers is open to emerging, unusual, and complex technology risks, and offers insurance solutions tailored to the medical technology industry.

Technology Companies

Claim Insights for Technology Companies

We’re here to protect your business, brand, and reputation and resolve the complex claims that arise in the technology sector.

Download Transcript

Claim Insights for Technology Companies

Claim Insights for Technology Companies

We’re here to protect your business, brand, and reputation and resolve the complex claims that arise in the technology sector.

Download Transcript

We’re here to protect your business, brand, and reputation and resolve the complex claims that arise in the technology sector.

Woman at a microscope

Life Sciences Resources

Travelers understands the unique risks facing life sciences companies today, and is prepared for what's next in this exciting industry, offering industry-specific coverages, products and insights.

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This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
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