Life Sciences Service Organizations
Contract / clinical research organizations (CROs), contract development and manufacturing organizations (CDMOs), contract manufacturing organizations (CMOs) and analytical testing laboratories support critical work across drug and device development. HUB helps align professional liability, contingent product liability, contracts and operational protection with the services you deliver, the obligations you accept and the client programs that depend on your work.
Stay Ahead of Industry Challenges
When your clients depend on the accuracy, quality and timing of your work
An error in a study, batch or test result can affect a client's development program, regulatory pathway or commercial commitments. The risk program must reflect both the work performed and the responsibility accepted through client contracts.
Errors in study design, data integrity issues, Good Manufacturing Practices or Good Laboratory Practices deviations, and timeline delays can create financial and reputational consequences for both the service organization and its clients.
HUB evaluates professional liability and errors and omissions coverage against the services performed, the organization's role in client programs, and the ways an alleged error could create loss.
Standard E&O forms may not reflect clinical research, contract manufacturing, or analytical laboratory operations.
Professional liability protection aligned with the organization's services and potential sources of client loss.
Client agreements may assign responsibility through indemnification provisions, insurance requirements, performance commitments and limitations of liability. These obligations can leave service organizations carrying exposure they did not anticipate.
HUB assesses client contract terms and contractual risk transfer from an insurance perspective to identify potential gaps between accepted obligations and available coverage. Legal interpretation remains with the organization's counsel.
The contract and the policy must be considered together.
Greater clarity about the risk accepted through client agreements and where further protection may be needed.
Service organizations depend on facilities, equipment, data, suppliers and third-party vendors. A cyber event, equipment issue, environmental incident or supply chain disruption may affect several studies, batches or testing programs at once.
HUB considers cyber, property, pollution and environmental liability, supply chain and third-party vendor risk alongside the organization's professional exposures.
Operational resilience is also a client commitment.
A coordinated program connecting business continuity with professional and contractual obligations.
Tailored Risk Solutions for Your Industry
Bring service delivery, contracts and operations into one view
CROs, CDMOs, CMOs and laboratories do not share one risk profile. HUB begins with the services you perform, the responsibilities you accept and the operational dependencies behind your work. Our consultative approach helps identify what can be transferred through insurance, where exposure remains and what needs to be managed through contracts, controls and operational planning.
Professional liability and E&O are structured around CRO, CDMO, CMO, laboratory and other service operations. Clinical trial and study-specific coverage can also be considered in relation to the organization’s role.
Supporting the development, commercialization, or manufacturing of someone else's product creates a contingent product liability exposure that is ideally minimized through contractual risk transfer. Bodily injury to a product user that is in any way connected to the services provided will always require product liability insurance.
HUB considers contractual risk transfer, indemnification requirements, client intellectual property, research data and data integrity. Cyber protection can be incorporated where digital systems and sensitive information are central to service delivery.
Property, pollution and environmental liability, supply chain and third-party vendor risk are assessed against manufacturing, testing or laboratory operations. Employee benefits can also support the attraction and retention of science and operations talent.
Industry Insights
Insights and resources for Life Sciences service organizations
