Specialty insurance for life sciences
Products liability, clinical trials, D&O, cyber, and HIPAA, placed with carriers whose underwriters know your business as well as you do.
A 30-minute review with a structured gap analysis specific to your segment, not a sales pitch.
Markets accessed
Programs placed with carriers whose underwriters know FDA, CLIA, HIPAA, and EU MDR, not generalists guessing at the risk. Direct appointments with documented life sciences appetite.
Products liability & Clinical trials
Directors & officers
Cyber & HIPAA
Property, Workers Comp, & Auto
Coverage placed through Tower Street Insurance's specialty appointments.
Specialty isn't a marketing word.
It's whose desk your file lands on, what their underwriters recognize, and how they price it.
02 · Practice
Programs are built to grow with the business through clearance, clinical trials, commercialization, and beyond.
Featured practice
Specialty insurance for Class I and Class II medical device manufacturers, including products liability, clinical trials, D&O, cyber, and recall coverage.
Products Liability · Clinical Trials Liability · D&O Insurance · Cyber Insurance · Property and Equipment
Specialty insurance for CLIA-certified clinical laboratories, diagnostic labs, pathology services, and reference labs.
Professional Liability · General Liability · Cyber and HIPAA
Specialty insurance for digital health companies, telehealth platforms, health technology startups, and software-as-a-medical-device (SaMD) developers.
Cyber Insurance · Tech E&O · Medical Professional Liability
03 · Why specialty
We structure coverage around the regulatory and operational realities most brokers don't see often enough to underwrite well.
Underwriting
Programs placed with carriers whose underwriters know 510(k) clearance, CLIA certification, HIPAA, EU MDR, and clinical trial structures, not generalists guessing at risk profiles they've never priced before.
Capital stage
D&O, cyber, and clinical trials liability structured to scale through Seed, Series A, Series B, and IPO transitions without coverage gaps at the moments that matter most.
Process
A diligence-grade process for founders, CFOs, and operations leaders who want substance over sales pitches. Clear coverage, clear pricing, clear next steps.
04 · What you'll get
Submit the intake form. Within one business day you receive a structured analysis built around your segment and stage.
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05 · Coverage review
A 30-minute structural review of your current coverage. You receive a gap analysis specific to your segment, stage-appropriate benchmarks, and a working document you can use heading into renewal.
