MedFirst® - Liability Insurance for Life Sciences

MedFirst state-of-the-art coverage for life sciences companies

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What coverages are available in life sciences liability insurance?

The evolution of software and electronics in life sciences and pharmaceuticals, as well as the transferring of personally identifiable electronic information, is creating a new combination of risks in the life sciences industry. To address these risks, MedFirst combines three key liability coverages in a single insurance policy.  

  • Products/completed operations liability coverage 

  • Errors & omissions liability coverage 

  • Information security liability coverage 

MedFirst combines three important insurance coverages

Products/completed operations liability coverage

For damages because of bodily injury or property damage included in the products/completed operations hazard. This includes bodily injury arising out of your work for a clinical trial. 

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. 

Information security liability coverage

For failure to prevent unauthorized access to, or use of, private or confidential information of others, including protected health information. Our information security liability coverage for medical technology companies responds to failures to prevent unauthorized access to, or use of, private or confidential information or protected health information as defined by the Health Insurance Portability and Accountability Act (HIPAA) of 1996.

MedFirst plus coverage enhancements

Product recall expense coverage

Reimburses the named insured for certain product recall expenses directly attributable to a class I recall of your medical or biotechnology products. The recall must be initiated by the named insured during the policy period and the products must have been physically relinquished to others. 

Security breach notification and remediation expenses coverage

Reimburses the named insured for certain expenses directly attributable to a security breach that is caused by a network and information security wrongful act. 

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 network and information security wrongful act.  

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." 

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