Gallagher's life sciences practice provides specialist insurance and risk-management solutions tailored to the highly regulated, technically complex world of biotech, pharma, medtech, diagnostics and research.

We support organisations throughout their lifecycle, from early-stage start-ups to global clinical research teams, offering cover for operational liabilities, clinical trials, crisis containment, and beyond. Whether you're navigating R&D risk, intellectual property exposures or reputational threats, our specialist team can help protect both your business and your mission.

Our life sciences insurance solutions

Gallagher's life sciences practice brings deep technical expertise and sector insight to design insurance solutions that address the broad spectrum of risks faced by life sciences companies. We help you navigate exposures such as:

  • Directors & officers liability, especially through transitions like IPOs
  • Product liability, recall and contamination risk
  • Intellectual property risk and contract liability
  • Cyber risk and data-privacy exposures
  • Business continuity, supply-chain risk and medical malpractice
  • Crisis resilience planning, from operational disruption to reputational threat

Our solutions are bespoke — built around your stage of development, strategic goals and risk profile.

For early-stage life sciences companies, we understand that protecting innovation without draining budget is vital. Our start-up-focused insurance package offers tailored, specialist cover including:

  • Public and employers' liability
  • Directors & officers cover to safeguard leadership
  • Cyber and privacy liability, to defend against data breach and cyber threats
  • Key person cover for critical executives or founders
  • Professional indemnity / Errors & omissions tailored to the life sciences field
  • Asset protection, including physical lab equipment and intangible assets like IP

Beyond insurance, our start-up team provides advisory support on regulatory contracts, supply-chain due diligence, risk-management planning and business continuity, helping you build resilience from day one.

Gallagher is one of the UK's leading brokers for clinical trial insurance, with over 30 years' experience in structuring specialist cover. Our clinical trials insurance protects both the volunteers and the sponsor organisation by addressing the unique liabilities inherent in medical research. Key features include:

  • Broad, regulatory-compliant coverage for legal liabilities arising from trial conduct
  • Tailoring for all kinds of trials — from large-scale, interventional studies to small observational ones
  • Rapid issuance as a result of which policy certificates can often be issued within 24 hours of required underwriting information
  • In-house claims handling with a dedicated claims handler to guide you through the process
  • One of the broadest policy wordings in the market, giving you flexibility and strength in risk transfer

Why choose Gallagher?

  • Specialist depth and experience: Our life sciences practice draws on over 30 years' experience in the sector.
  • Comprehensive and tailored solutions: We don't believe in off-the-shelf insurance — every programme is built around your business's operations, risk profile and growth stage.
  • Global reach with local expertise: We leverage a global network of underwriters and risk experts, but deliver grounded, UK-based advice.
  • Risk management and advisory: Beyond insurance, our team supports crisis planning, clinical-trial compliance, cyber resilience, supply-chain resilience and continuity.
  • Proven track record: We work with a wide variety of life sciences organisations, from biotech start-ups to pharmaceutical companies, medtech firms and research CROs.