Life Sciences

Our underwriting team has a wealth of experience providing inland marine 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
  • 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 and 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 coverage from 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
  • 12.5{241d69fb6cc1b5cacc5f3e2661eaf0e97e5fed421b543841c6865fd1a2ecc898} Commission on New and Renewal Commercial Accounts
  • 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
  • Internet website information
Send a Submission
Printable Life Sciences Information
Printable Information - Biologics
Printable Information - Medical Devices
Printable Information - Nutraceuticals
Printable Information - Pharmaceuticals

Our Commercial Lines Team

Shea Hopkins, Division Manager
(804) 289-1359
LeAn Hatch, Senior Underwriter
(804) 774-2108

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