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Life Sciences

ACE Life Sciences specializes in providing liability coverages for the unique exposures challenging Life Sciences companies.  From global products and professional liability, to coverage for clinical trials in countries around the world, ACE Life Sciences has the expertise, financial strength and geographic reach to be the right partner for managing risk.


  • Experienced underwriters who understand the unique and complex challenges of the Life Sciences industry
  • International policies to cover worldwide exposure of our insureds
  • Financial Strength: ACE USA consistently receives among the highest ratings for financial strength from the industry's principal rating agencies
  • Global Reach: As part of the ACE Group of Companies, we can tap into the resources of a global network of affiliates and partners providing products in more than 150 countries around the world
  • Talented claims professionals who have the experience and expertise to handle claims with care and responsiveness.


  • Products-completed operations liability for biotechnology, specialty pharmaceutical and non-implantable medical device companies
  • Package capabilities include property, automobile, inland marine, crime, boiler and machinery, and workers compensation for companies from preclinical research and development through clinical trials to marketed products
  • Global coverage to meet specific insurance needs worldwide including foreign admitted clinical trials policies in many countries and international package policies


  • Clinical Trials
    • Up to $15 million in capacity for sponsors of human clinical trials for biologics, pharmaceuticals, and non-implantable medical device trials
  • Sold Products
    • Up to $10 million in capacity for biotechnology companies of any size, and specialty pharmaceutical companies with less than $500 million in sales
    • Up to $10 million in capacity for non-implantable medical devices such as diagnostic testing kits, drug delivery devices, invasive surgical tools and radiology devices
  • Contact Research Organizations and Site Management Organizations
    • Up to $10 million in capacity for products liability, errors and omissions liability and medical professional liability

(Not available on all accounts. Limits available are based upon underwriting guidelines and account characteristics.)

Client Profile

  • Biotechnology companies
  • Specialty pharmaceutical companies
  • Medical products manufacturers of non-implantable products
  • Contract Research Organizations and Site Management Organizations

Restricted Classes

  • Nutriceuticals, vitamins, dietary supplements, herbals or botanicals
  • Cosmetic products

Forms / Applications