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Life Sciences

Life Sciences organizations face unique risks that require specialized insurance. Our Life Sciences Advantage offers the customization and coverage they need.

Life Sciences is all about potential—to change a life, or even save a life. Life Sciences is also about potential for exciting business growth. Hanover Life Sciences Advantage offers a broad array of specialized coverages for the unique risks of Life Sciences organizations. Our dedicated team of Life Sciences experts is available to help develop customized solutions for complex accounts. And our risk solutions experts apply their deep industry expertise to help prevent losses before they occur.


Hanover Life Sciences Advantage delivers specialized insurance programs for companies in four key industry segments:






Manufacturers, Distributors, and medical device refurbishers of the following types of devices:

  • X-Ray Apparatus and Tubes
  • Orthopedic, Prosthetic and Surgical Appliances and Supplies
    • Surgical Devices
    • Surgical and Medical Instrument Apparatus
    • In Vitro and In Vivo Diagnostics
    • Ophthalmic Goods
    • Dental Equipment & Supplies
    • Laboratory Apparatus, Furniture and Instruments
  • Manufacturers and distributors of FDA-approved prescription or over-the-counter drugs that are developed to treat a specific disease or condition
  • Healthcare IT companies involved with the storage, retrieval, sharing and use of healthcare information such as: Electronic Health Records and Personal Health Records, E-prescriptions, and Computerized Physician Ordering Entry (CPOE).
  • Telemedicine technologies that are used to help deliver clinical health services remotely including diagnosis, treatment and patient monitoring.

Organizations that provide pre-clinical or clinical support to the pharmaceutical, biotechnology and medical device industries through research including:

  • Contract Research Organizations (CRO)
  • Research Institutes

Product Offerings

Our comprehensive solution is tailored for this industry, with a flexible array of coverages and services that can be customized to meet the unique needs of Life Sciences organizations and facilities.

Industry Specific Coverage Enhancements
Hanover Fusion is a customizable coverage solution that offers:

  • Products Completed Operations
  • Errors & Omissions
  • Information Security & Privacy and Personal Injury
  • Media & Content Coverage
  • Optional Data Breach Expense Coverage
  • Optional Products Recall Expense Coverage
  • Optional Human Clinical Trial Expense Coverage

Additional Offerings for Life Sciences include:

The Hanover Advantage

To meet the needs of the diverse Allied Healthcare market, The Hanover provides comprehensive insurance solutions, including core coverages as well as highly specialized ones.  Our Allied Healthcare solution protects against the unique risks faced by Allied Healthcare organizations and facilities.  Unlock the Hanover Advantage:

Significant ExperienceDedicated team of Life Sciences underwriting, claims, and risk management experts are available to help develop customized solutions for complex accounts.

Competitive Products — Hanover Fusion combines up to four key coverages under a single policy to provide your clients with the customizable solutions they need including Products Completed Operations (including human clinical trials), Errors & Omissions, Information Security & Privacy and Personal Injury and Media & Content. Plus we have an international coverage solution that addresses foreign clinical trials and products-completed operations in more than 140 countries.

Dedicated Claims Team — Our claims teams have years of industry expertise and experience handling the unique types of claims Life Sciences organizations can face. Our Life Sciences claims team includes experts in healthcare and products liability; and, when needed, we will access our extensive network of legal counsel, including in-house litigators and defense counsel, to ensure the best outcome for your clients' claims. Customers have three convenient ways to file a claim with us: Phone: 800-628-0250, Fax: 800-399-4734,  or Email:

Risk Management Services — Record growth in the Life Sciences brings a variety of unique risks. These include product liability, information privacy and security, errors & omissions, and personal injury. Our expert Risk Solutions team is dedicated to delivering up-to-date tools, resources and services to help your Life Sciences clients understand and manage their risks. Our Risk Solutions website features resources to help you minimize risk and prevent loss.

Trusted Partner — Support and financial strength of an "A" rated leading insurance carrier.


Property, casualty and errors and omissions

Steve Blackwell
Senior Underwriter Life Sciences
Northest and Metro Regions

Kori Johnston
Executive Underwriter Life Sciences
Mid-Atlantic and Southeast Regions

Jen Placek
Executive Underwriter Life Sciences
Midwest and Great Lakes Regions


Krista Hartin
Executive Underwriter Life Sciences
Southern California and North Pacific Regions

Preston Nanney
Underwriting Specialist Life Sciences
Central and South Central Regions


Management liability

Jon Martin
VP, Distribution Management


Marine and industrial property

Chris Zaneski
VP, Distribution Management

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