Life Sciences

Our underwriting team has a wealth of experience providing Life Sciences insurance solutions for difficult-to-insure businesses.

With Aspera, you and your clients will receive a customized underwriting process to deliver competitive solutions fast.

In most cases, we can turn around a quote to you in one hour!

Target Life Sciences Classes

Available Coverage Enhancements

  • Data breach
  • Employee benefits
  • Errors & omissions
  • Hired & non-owned
  • Primary & non-contributory AIs
  • Product recall
  • Waiver of subrogation
  • Worldwide coverage

Policy Structure

Policies are written through a non-admitted carrier with a Financial Strength Rating of A (Excellent) by A.M. Best.

  • Commercial General Liability, Products/Completed Operations Liability, or Professional Liability
  • Claims-Made coverage form with Occurrence coverage available for certain risks
  • Policy limits up to $10M available on Primary or Excess basis; follow-form excess capacity of $10M on both a supported and unsupported basis
  • Defense normally written inside the limit, but may consider outside the limit based on the risk
  • Automatic inclusion of landlords, trade events, and vendors as additional insureds


You can get Life Sciences insurance through us in these states:

Company Highlights

Here are a few services you can expect when working with us:

  • Quick responses and quotes, often within 24 hours
  • 24-hour policy issuance
  • Policies written through a non-admitted carrier with a financial strength rating of A (Excellent) by A.M. Best
Submission Requirements
  • ACORD Commercial Insurance applications (125 and 126) with description of operations (signed by the insured when bound)
  • Supplemental application, as appropriate (signed by the insured when bound)
  • Five-year currently-valued company loss runs, with a description provided for losses over $25,000
  • Copy of current declarations page
  • Copy of all product labels
  • Copy of all advertising literature
  • Website information
Send a Submission
Printable Life Sciences Information
Printable Information - Biologics
Printable Information - Medical Devices
Printable Information - Nutraceuticals
Printable Information - Pharmaceuticals
View our Appetite Guide
Become Appointed

Our Commercial Lines Team

Kyle Flynn, Division Manager
(804) 774-2102
Austin Cheatham, Associate Underwriter
(804) 774-2105
Chris Hinchcliff, Associate Underwriter
(804) 774-2114