Life Sciences


The Life Sciences business sector offers a far-ranging array of exciting growth opportunities around the world for start-up companies as well as established multinational corporations. To reach their business goals, Life Sciences firms need an insurance and risk management partner that can develop innovative, forward-thinking solutions to deliver significant value and protection.

Industries Served: Life Sciences

At Wortham, we have a specialized practice in Life Sciences which includes seasoned experts who understand the complexity of the unique exposures and issues that our clients face. Our Life Sciences team works in partnership with our clients´ staffs to thoroughly review their exposures and concerns. We perform a comprehensive, professional marketing of their current insurance programs to identify all possible coverage, limits and pricing alternatives.

Leveraging Wortham´s strong working relationships and knowledge of the global markets, we work on our clients´ behalf to negotiate the best coverages and competitive pricing. Our clients benefit from Wortham´s access to the major Life Science insurance carriers in the U.S. and overseas who offer stability and consistency in this unique insurance niche. Our extensive contacts and decades of experience in working with the global markets deliver a wide range of alternatives and substantial value for our clients.


At Wortham, we provide a comprehensive range of insurance and risk management solutions that address the unique requirements for Life Sciences companies, including:

  • Property
    • Research and development property
    • Coverage for research animals
    • Bio-contamination
    • Hazardous substances clean-up
    • Spoilage
    • Business income and expense (direct as well as indirect, including loss sustained by a supplier or customer)
    • Building and business personal property
    • Machinery breakdown
    • Transit
  • Casualty
    • General liability, including product liability
    • Product recall or withdrawal expense
    • Clinical trial liability
    • Workers compensation
    • Automobile
    • Excess liability/umbrella
    • Employee benefit liability
  • Professional indemnity
    • Directors & officers liability
    • Professional and errors and omissions liability
    • Fiduciary liability
    • General partnership liability
    • Employment practices liability
    • Kidnap, ransom and extortion
  • Intellectual property
  • Confiscation, expropriation and nationalization
  • Cyber liability
  • Credit risk
  • Surety bonds
  • Construction projects
  • Terrorism