Best Biotech Package Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Biotech Package Insurance Firms in USA
Published: December 19, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Risk Consulting, Brokerage, and Claims Advocacy Services by Marsh McLennan (Marsh) scored highest due to Global brokerage scale combined with industry-focused life sciences teams that can structure complex multinational package and clinical trial placements..
Content Verification
15
Total Sources
December 19, 2025
Last Verified
100%
Evidence Coverage
Side-by-Side Comparison
| Feature | #1 Risk Consulting, Brokerage, and Claims Advocacy Services (Marsh McLennan (Marsh)) | #2 Insurance and Risk Management (Gallagher) | #3 Insurance Brokerage Services (Lockton) | #4 Business Insurance (HUB International) | #5 Property & Casualty (Brown & Brown Insurance) |
|---|---|---|---|---|---|
| Best For | Global brokerage scale combined with industry-focused life sciences teams that can structure complex multinational package and clinical trial placements. | Combination of sector-focused brokers and risk engineering resources that help biotech clients manage regulatory, trial, and product-related exposures in a single coordinated program. | Independent, privately held brokerage with a dedicated life sciences practice that emphasizes bespoke, flexible program design for rapidly evolving biotech risk profiles. | Deep sector specialization with a dedicated life sciences practice that tailors multiline package policies to complex biotech risks, including clinical trials and global operations. | Strong U.S. middle-market presence with industry-focused teams that can build cost-effective package solutions for small to mid-sized biotech companies. |
| Sector Expertise | Life sciences sectors: biotechnology; pharmaceutical (biopharma, specialty, generics, animal health, nutraceuticals); medical technologies/devices and supplies; contract research; distribution/research/contract manufacturing/development (CROs/CMOs/CDMOs); service providers; medicinal cannabis. (marsh.com) | Sector expertise: life sciences, drug manufacturers/wholesalers, biotech firms, pharmaceutical companies, medical device and supply companies, medical technology manufacturers, nutraceutical and food supplement companies, clinical trials facilities, and academic institutions. (ajg.com) | Life sciences focus: biotech, pharmaceuticals, medical devices (invasive and non-invasive), clinical trials, nutraceuticals, e‑health/health tech; supports contract manufacturers, CDMOs/CROs, importers/distributors, research and experimental development, dental product manufacturers, and veterinary drug makers. Serves companies from start‑ups/pre‑clinical through commercialization/IPO, globally. (global.lockton.com) | HUB’s business insurance targets: agribusiness, cannabis, construction, education, entertainment, financial institutions, healthcare, hospitality, life sciences, nonprofit, public sector, real estate, sports, transportation, plus technology, manufacturing, retail, professional services, energy & marine, aviation, and more. (hubinternational.com) | Life Sciences plus Healthcare & Pharmacy, Financial Services, Manufacturing, Energy & Power Utilities, Construction, Agriculture & Food, Hospitality & Gaming, Marine, Real Estate, Transportation, Public Entities, Tribal; and niches including Aviation, Education, Legal, Retail, Sports, Technology, and Telecommunications. (bbrown.com) |
| Coverage Customization | Marsh customizes coverage via: fronted clinical-trial placements globally (5, 000+ submissions in 100+ countries); bespoke therapeutic warranties for gene/cell therapies; tailored parametric and alternative risk-transfer structures; and proprietary forms (Marsh XSellence) that standardize excess-liability wording and allow claims-made or occurrence. (marsh.com) (marsh.com) (marsh.com) (marsh.com) | Data-driven, tailored programs built around your operations. Gallagher designs strategic solutions and customized policies (including clinical trials across all phases) and leverages global placements to meet complex coverage needs. Solutions are custom-designed and adjusted as you grow, providing strategic coverage across the organization’s lifecycle. (ajg.com) | Provides bespoke, scalable coverage for life sciences firms, aligning policies to specific risks and growth stage. Customizable lines include clinical trial liability/servicing, product, property/supply chain, cyber, professional and executive risks, with international program support. Programs are tailored and adjust as operations expand, avoiding gaps/overlaps. (global.lockton.com) | Modular, tailored coverage: start with core property and casualty, then add lines (cyber, EPLI, professional liability, etc.) and industry-specific options (e.g., clinical trials) to fit your business. HUB tailors programs via a consultative design process. (hubinternational.com) | Coverage is customized through analytics-driven risk profiling and modeling to optimize program structures; comprehensive review of special-risk exposures with alternative risk solutions; tailored Executive Liability and Cyber placements; and multinational program builds aligned to business goals and compliance. (bbrown.com) |
| Claims Support & Advocacy | Dedicated claims advocates support you before, during, and after a loss; coordinate with insurers to speed fair resolution; assist claims preparation and litigation management; work with forensic accountants to maximize recovery; and leverage market relationships, backed by global specialists who’ve recovered billions for clients. (marsh.com) | Dedicated claims advocacy practice with on‑demand specialists across all lines: early evaluation, best‑practice audits, carrier responsiveness facilitation, coverage dispute advocacy/counsel referral, executive‑level escalation, and analytics/tools (benchmarking, Stay‑at‑Work, iAuditor). Includes centralized claims contacts and optional Gallagher Bassett third‑party administration. (ajg.com) | Dedicated claims advocacy and management: Lockton investigates and documents claims, represents client interests with insurers and counsel, creates compelling claims presentations, advises on resolutions, reduces costs, and improves processes. (global.lockton.com) Its risk control team guides clients through complex claim issues as an advocate at every step. (global.lockton.com) | Dedicated claims professionals (225+ across U.S./Canada) provide advocacy, complex-claim escalation, and carrier/TPA coordination. Services include loss analysis, reserve review, litigation and medical case management, dispute resolution, subrogation, and TPA audits. HUB touts 24‑hour claims reporting turnaround and analytics to cut costs (e.g., 25% via litigation management) and accelerate legacy file closure. (hubinternational.com) | Risk Services supports the entire claims cycle: develops claims notification procedures and handling protocols; coordinates claim notification; communicates adjuster assignment and investigation updates; provides vendor service review/selection (e.g., defense counsel) and Reservation of Right analysis; advocates to resolve coverage and quantification issues; and develops a critical path for efficient claim resolution. (bbrown.com) |
5 Companies Listed
1
Marsh McLennan (Marsh)
Risk Consulting, Brokerage, and Claims Advocacy Services
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Last Updated: December 19, 2025
Marsh McLennan (Marsh)Company Information
Marsh is a global leader in insurance broking and risk management, bringing global, national, and industry-specific solutions to a wide range of clients.
Industry: Insurance
Type: public
Employees: over-10K
Founded: 1914
Location: 1166 6th Avenue
Revenue: over 1b
Stock: MMC (NYSE)
Phone: +1 212-345-5000
Keywords
insurance broking
risk management
global solutions
industry-specific expertise
insurance
brokerage
consulting
financial services
Description
Marsh is a global professional services firm that specializes in insurance brokerage and risk management. The firm helps clients navigate complex risks and embrace their opportunities.
What They Do
Marsh provides insurance brokerage and risk management services to clients across various industries worldwide.
Who They Serve
They serve a wide range of clients including businesses, governments, and organizations across multiple sectors.
Key Value Propositions
Industry-specific expertise
Global presence
Data-driven insights and analytics
Target Customers
Businesses
Governments
Non-profit organizations
Individuals seeking personal insurance solutions
Industries Served
Agribusiness
Automotive
Aviation & Space
Cargo & Logistics
Chemical
Communications
Construction
Education
Energy & Power
Entertainment
Financial Institutions
Food & Beverage
Healthcare
Hospitality
Infrastructure
Law Firms
Life Sciences
Manufacturing
Marine
Media
Mining
Public Sector
Real Estate
Recycling
Retail & Wholesale
Sports
Technology
Transportation
Utilities
Contact Information
Navigation Links
Summary
Marsh provides comprehensive insurance solutions for life sciences and biotechnology companies, bundling property, general liability, products liability, errors and omissions, and clinical trials liability into coordinated programs. The offering targets early-stage to large multinational biotech, pharma, and medical technology firms.
Key Features
- Risk consulting
- Insurance brokerage
- Claims advocacy
- Data-driven risk analysis
- Technology-enabled solutions
- Analytics for risk management
Key Benefits
- Better quantification and management of risk
- Access to global expertise and industry-specific knowledge
- Support in navigating complex risk environments
- Leverage of data, technology, and analytics for informed decision-making
Who Is It For
- Organizations and businesses across a wide range of industries
- Clients seeking to manage, transfer, or mitigate risk
- Companies requiring support with insurance placement and claims management
Services
Our consulting, brokerage, and claims advocacy services leverage data, technology, and analytics to help you better quantify and manage risk. Explore our global expertise below. Please note that service availability varies by location. Contact a Marsh advisor for support in your region.
Resources
Supporting Resources
Detailed Comparison
Sector Expertise
Life sciences sectors: biotechnology; pharmaceutical (biopharma, specialty, generics, animal health, nutraceuticals); medical technologies/devices and supplies; contract research; distribution/research/contract manufacturing/development (CROs/CMOs/CDMOs); service providers; medicinal cannabis. (marsh.com)
Coverage Customization
Marsh customizes coverage via: fronted clinical-trial placements globally (5, 000+ submissions in 100+ countries); bespoke therapeutic warranties for gene/cell therapies; tailored parametric and alternative risk-transfer structures; and proprietary forms (Marsh XSellence) that standardize excess-liability wording and allow claims-made or occurrence. (marsh.com) (marsh.com) (marsh.com) (marsh.com)
Claims Support & Advocacy
Dedicated claims advocates support you before, during, and after a loss; coordinate with insurers to speed fair resolution; assist claims preparation and litigation management; work with forensic accountants to maximize recovery; and leverage market relationships, backed by global specialists who’ve recovered billions for clients. (marsh.com)
Last Updated: December 19, 2025
GallagherCompany Information
Arthur J. Gallagher and Company is an Illinois-based brokerage firm specializing in insurance products and risk management services. The company serves a diverse range of industries, including energy and healthcare, offering tailored solutions to meet client needs.
Industry: Insurance
Type: public
Employees: over-10K
Founded: 1927
Location: Rolling Meadows, IL
Revenue: 200m 1b
Stock: NYSE:AJG (NASDAQ)
Funding: $11500.0M (POST IPO EQUITY)
Phone: +1 630-773-3800
API: Yes
Keywords
insurance
risk management
brokerage
energy
healthcare
Description
Gallagher provides insurance, risk management, and consulting services globally, known for its innovative solutions and extensive reach.
What They Do
Gallagher offers insurance and risk management services, alongside consulting in various fields such as benefits and HR.
Who They Serve
Businesses, organizations, and individuals globally in various industries.
Key Value Propositions
Innovative risk management solutions
Industry-leading consulting services
Global presence in over 130 countries
Target Customers
Businesses
Organizations
Insurance brokers
Insurance carriers
Re-insurers
Industries Served
Aerospace
Automotive
Construction
Education
Energy
Entertainment
Financial Institutions
Food and Agriculture
Healthcare
Law Firms
Life Sciences
Manufacturing
Marine
Nonprofit
Private Equity and M&A
Public Sector & K-12 Education
Real Estate & Hospitality
Religious
Restaurants
Senior Living
Technology
Transportation
Contact Information
Summary
Gallagher offers insurance and risk management solutions for life science and biotech organizations, including integrated packages covering property, general liability, products and clinical trials liability, cyber, and management liability. It serves emerging ventures, research organizations, and established commercial manufacturers.
Key Features
- Alternative Risk & Captives: Custom insurance company solutions for organizations seeking to own their risk.
- Business Continuity Planning: Services to ensure organizational resilience and crisis recovery.
- Casualty Insurance: Identification of coverage gaps and development of customized protection.
- Commercial Surety Bonds Insurance: Access to bonds and sureties for complex projects.
- Construction Bonds: Financial protection for construction projects against unforeseen events.
- Credit and Political Risk Insurance: Protection for investments in emerging markets and global payment guarantees.
- Crop Insurance and Consulting: Tailored solutions for agricultural operations of all sizes.
- Cyber Liability Insurance: Protection for business networks and data.
- Data and Analytics Consulting: Insurance analytics and benchmarking for claims and risk management.
- Diversity and Community Business Insurance Solutions: Risk management strategies supporting DEI goals.
- Enterprise Risk Management: Enterprise-wide consulting to reduce risk and achieve objectives.
- Environmental Insurance: Identification and mitigation of environmental liabilities.
- Executive and Financial Risk Insurance: Protection for executives and organizations.
- Fine Arts Insurance: Risk management and coverage for museums and fine arts institutions.
- Reinsurance (Gallagher Re): Global reinsurance brokerage services.
- Global Risk Management: Customized risk management solutions for businesses worldwide.
- Insurance Claims Contacts: Centralized access to claims and coverage support.
- Loss Control: Proactive education and solutions to mitigate risk.
- Multinational Insurance and Risk Management: Services for companies expanding internationally.
- Personal Insurance: Tailored coverage for home, auto, and personal assets.
- Product Recall Insurance: Coverage to complement general liability and crisis response.
- Property Insurance: Protection for property assets.
- Small Business Insurance: Specialized products and services for small businesses.
- Workers Compensation Insurance and Benefits: Strategies to reduce total cost of risk.
Key Benefits
- Comprehensive risk management and insurance solutions tailored to client needs
- Industry-specific expertise and consulting
- Support for business continuity and crisis management
- Access to specialized insurance products (e.g., cyber, environmental, executive risk, product recall)
- Global reach and support for multinational operations
- Proactive risk mitigation and loss control services
- Support for diversity, equity, and inclusion goals through specialized solutions
Who Is It For
- Businesses of all sizes (small, mid-sized, large enterprises)
- Organizations across diverse industries (e.g., construction, agriculture, technology, manufacturing, education, healthcare, financial institutions, nonprofits, entertainment, real estate, transportation, etc.)
- Multinational companies expanding operations globally or investing in the U.S.
- Individuals seeking personal insurance solutions
Solutions and Insurance Coverages
Overview of Gallagher's insurance and risk management solutions, emphasizing innovation, empathy, and intelligence in service delivery.
Our Solutions
Gallagher offers a wide range of insurance and risk management solutions across industries and business sizes, including alternative risk, business continuity, casualty, surety, construction, credit, crop, cyber, data analytics, diversity, enterprise risk, environmental, executive risk, fine arts, reinsurance, global risk, claims, loss control, multinational, personal, product recall, property, small business, and workers compensation.
- Alternative Risk & Captives
- Business Continuity Planning
- Casualty Insurance
- Commercial Surety Bonds Insurance
- Construction Bonds
- Credit and Political Risk Insurance
- Crop Insurance and Consulting
- Cyber Liability Insurance
- Data and Analytics Consulting
- Diversity and Community Business Insurance Solutions
- Enterprise Risk Management
- Environmental Insurance
- Executive and Financial Risk Insurance
- Fine Arts Insurance
- Reinsurance (Gallagher Re)
- Global Risk Management
- Insurance Claims Contacts
- Loss Control
- Multinational Insurance and Risk Management
- Personal Insurance
- Product Recall Insurance
- Property Insurance
- Small Business Insurance
- Workers Compensation Insurance and Benefits
Resources
Learn More about Alternative Risk & CaptivesLearn More about Business Continuity PlanningLearn More about Casualty InsuranceLearn More about Commercial Surety Bonds InsuranceLearn More about Construction BondsLearn More about Credit and Political Risk InsuranceLearn More about Crop Insurance and ConsultingLearn More about Cyber Liability InsuranceLearn More about Data and Analytics ConsultingLearn More about Diversity and Community Business Insurance SolutionsLearn More about Enterprise Risk ManagementLearn More about Environmental InsuranceLearn More about Executive and Financial Risk InsuranceLearn More about Fine Arts InsuranceLearn More about Reinsurance (Gallagher Re)Learn More about Global Risk ManagementLearn More about Insurance Claims ContactsLearn More about Loss ControlLearn More about Multinational Insurance and Risk ManagementLearn More about Personal InsuranceLearn More about Product Recall InsuranceLearn More about Property InsuranceLearn More about Small Business InsuranceLearn More about Workers Compensation Insurance and Benefits
Supporting Resources
Detailed Comparison
Sector Expertise
Sector expertise: life sciences, drug manufacturers/wholesalers, biotech firms, pharmaceutical companies, medical device and supply companies, medical technology manufacturers, nutraceutical and food supplement companies, clinical trials facilities, and academic institutions. (ajg.com)
Coverage Customization
Data-driven, tailored programs built around your operations. Gallagher designs strategic solutions and customized policies (including clinical trials across all phases) and leverages global placements to meet complex coverage needs. Solutions are custom-designed and adjusted as you grow, providing strategic coverage across the organization’s lifecycle. (ajg.com)
Claims Support & Advocacy
Dedicated claims advocacy practice with on‑demand specialists across all lines: early evaluation, best‑practice audits, carrier responsiveness facilitation, coverage dispute advocacy/counsel referral, executive‑level escalation, and analytics/tools (benchmarking, Stay‑at‑Work, iAuditor). Includes centralized claims contacts and optional Gallagher Bassett third‑party administration. (ajg.com)
Last Updated: December 19, 2025
LocktonCompany Information
Industry: Insurance
API: No
Description
Lockton is the world’s largest independent insurance brokerage providing customized solutions to meet your organization's risk, benefits and retirement needs.
What They Do
Provides customized insurance solutions to meet risk, benefits, and retirement needs.
Who They Serve
Businesses in various industries including aerospace, telecommunications, and healthcare.
Key Value Propositions
Independent and flexible
Global reach with local expertise
Commitment to client relationships
Target Customers
Businesses of all sizes
Corporate clients
Organizations seeking tailored insurance solutions
Industries Served
Insurance
Healthcare
Telecommunications
Aerospace
Other business sectors
Contact Information
Key Pages
Navigation Links
Summary
Lockton’s Life Sciences practice designs insurance programs for biotech, pharmaceutical, and medical device companies, typically packaging property, casualty, products and clinical trials, errors and omissions, and related specialty lines. The offering focuses on companies from pre-clinical stages through commercialization.
Key Benefits
- Access to a wide range of insurance products and services
- Expertise in local and global insurance markets
- Regional specialization for tailored solutions
- Support for complex and industry-specific risks
Who Is It For
- Businesses of all sizes
- Organizations with global or regional insurance needs
- Industry-specific clients seeking tailored risk solutions
Resources
Detailed Comparison
Sector Expertise
Life sciences focus: biotech, pharmaceuticals, medical devices (invasive and non-invasive), clinical trials, nutraceuticals, e‑health/health tech; supports contract manufacturers, CDMOs/CROs, importers/distributors, research and experimental development, dental product manufacturers, and veterinary drug makers. Serves companies from start‑ups/pre‑clinical through commercialization/IPO, globally. (global.lockton.com)
Coverage Customization
Provides bespoke, scalable coverage for life sciences firms, aligning policies to specific risks and growth stage. Customizable lines include clinical trial liability/servicing, product, property/supply chain, cyber, professional and executive risks, with international program support. Programs are tailored and adjust as operations expand, avoiding gaps/overlaps. (global.lockton.com)
Claims Support & Advocacy
Dedicated claims advocacy and management: Lockton investigates and documents claims, represents client interests with insurers and counsel, creates compelling claims presentations, advises on resolutions, reduces costs, and improves processes. (global.lockton.com) Its risk control team guides clients through complex claim issues as an advocate at every step. (global.lockton.com)
Last Updated: December 19, 2025
HUB InternationalCompany Information
HUB International is a leading North American insurance brokerage that provides employee benefits, business, and personal insurance products and services.
Industry: Insurance
Type: private
Employees: over-10K
Founded: 1998
Location: Chicago, IL
Revenue: over 1b
Stock: HBG
Funding: $6900.0M (PRIVATE EQUITY)
Phone: +1(800)432-2558
API: No
Keywords
insurance brokerage
employee benefits
business insurance
personal insurance
risk management
insurance
health insurance
wealth management
consulting
property and casualty
Description
Hub International Limited is a global insurance brokerage that provides a wide range of insurance and risk management services. The company offers solutions across various sectors including business insurance, employee benefits, retirement services, personal insurance, and risk services.
What They Do
Provide insurance brokerage and risk management services
Who They Serve
Businesses, institutions, and individuals across multiple industries
Key Value Propositions
Comprehensive insurance solutions
Expertise in risk management
Individualized customer service
Target Customers
Businesses
Individuals
Organizations
Industries Served
Agribusiness
Cannabis
Construction
Education
Entertainment
Financial
Healthcare
Hospitality
Life Sciences
Nonprofit
Public Sector
Real Estate
Sports
Transportation
Contact Information
Navigation Links
Summary
HUB International offers a specialized insurance program for life science and biotech companies in the U.S., including package coverages such as property, general liability, products and completed operations, clinical trials, and professional liability. It is designed for startups through commercial-stage firms across pharmaceuticals, medical devices, diagnostics, and related sectors.
Key Features
- Basic property and casualty insurance as a foundation
- Ability to add specialized coverages as needed
- Coverage for a wide range of risks including cyber, liability, property, and more
- Industry-specific solutions
Key Benefits
- Comprehensive protection for business assets and operations
- Customizable coverage to address unique business risks
- Support for business continuity through events like breakdowns, lawsuits, and interruptions
- Access to risk management expertise and tailored insurance solutions
Who Is It For
- Businesses of all sizes
- Organizations across a wide range of industries (e.g., agribusiness, cannabis, construction, education, entertainment, financial, healthcare, hospitality, life sciences, nonprofit, public sector, real estate, sports, transportation, technology, and more)
- Business owners seeking to protect assets, employees, and operations
Business Insurance
Let's protect your business and assets with a comprehensive program.
Essential coverage for every business
Basic property and casualty insurance is the right place to start. Then add the coverage you need to keep your business thriving through breakdowns, lawsuits or worse.
- Commercial Property: Let’s Keep Your Property Protected with Strategic Risk Management
- General Liability: Let’s create a plan that protects your interests.
- Workers' Compensation: It’s time for a smarter approach to workers’ compensation insurance.
- Business Owners Policy: Let’s cover the basics so you can focus on growing your business.
- Business Interruption: Be prepared for anything that could happen to your business with Business Interruption Insurance.
- EPL Insurance: Protect your organization against costly litigation with EPLI.
- Cyber: Protect your business — and your employees — from cybersecurity risks.
- Professional Liability: Protect your business — and its operations —from unexpected legal action.
Beyond the basics
Tailor your insurance with the special coverage your business demands.
- Aviation Insurance: Let’s confirm your flight plans with coverage that’s tailored to your needs.
- Boiler and Machinery Insurance: Let’s ensure that your business will continue to run smoothly.
- Captive Insurance: Take control of your insurance: reduce your costs and tailor coverage to your specific needs.
- Casualty Insurance: Risk Solutions Backed by Global Expertise
- Commercial Auto: Let’s create a plan that keeps your vehicles — and drivers — on the road.
- Crime: Let’s keep the criminals at bay with coverage that protects you.
- Directors & Officers: Protect your executives’ ability to lead — and their personal assets
- Environmental: Let’s build an environmental liability plan that works for you.
- Fiduciary Liability: Let’s make sure you’re ready for health-care and retirement-plan litigation.
- Kidnap & Ransom: Let’s make sure your people are protected.
- Marine: Let’s keep your operation moving full steam ahead.
- Medical Malpractice: Let's build a tailored solution for your organization’s needs.
- Mergers and Acquisitions: Decrease risk and add value to your transactions while establishing peace of mind - regardless of your industry
- Surety Bond Insurance: Let’s find the solution you need to succeed.
- Trade Credit: Let’s grow your business by protecting your cash flow from catastrophic events.
- Tribal Enterprises: Let’s protect your Tribal business and community.
Resources
Supporting Resources
https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/https://www.hubinternational.com/products/business-insurance/general-liability/https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/https://www.hubinternational.com/products/business-insurance/business-owners-policy/https://www.hubinternational.com/products/business-insurance/business-interruption-insurance/https://www.hubinternational.com/products/business-insurance/employment-practices-liability/https://www.hubinternational.com/products/business-insurance/cyber-insurance/https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/https://www.hubinternational.com/products/business-insurance/aviation-insurance/https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/https://www.hubinternational.com/products/business-insurance/captive-insurance/https://www.hubinternational.com/products/business-insurance/casualty-insurance/https://www.hubinternational.com/products/business-insurance/commercial-auto/https://www.hubinternational.com/products/business-insurance/crime-insurance/https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/https://www.hubinternational.com/products/business-insurance/environmental-insurance/https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/https://www.hubinternational.com/products/business-insurance/marine-insurance/https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/https://www.hubinternational.com/products/business-insurance/surety-bonds/https://www.hubinternational.com/products/business-insurance/trade-credit-and-political-risk/https://www.hubinternational.com/products/business-insurance/insurance-for-tribal-nations/
Detailed Comparison
Sector Expertise
HUB’s business insurance targets: agribusiness, cannabis, construction, education, entertainment, financial institutions, healthcare, hospitality, life sciences, nonprofit, public sector, real estate, sports, transportation, plus technology, manufacturing, retail, professional services, energy & marine, aviation, and more. (hubinternational.com)
Coverage Customization
Modular, tailored coverage: start with core property and casualty, then add lines (cyber, EPLI, professional liability, etc.) and industry-specific options (e.g., clinical trials) to fit your business. HUB tailors programs via a consultative design process. (hubinternational.com)
Claims Support & Advocacy
Dedicated claims professionals (225+ across U.S./Canada) provide advocacy, complex-claim escalation, and carrier/TPA coordination. Services include loss analysis, reserve review, litigation and medical case management, dispute resolution, subrogation, and TPA audits. HUB touts 24‑hour claims reporting turnaround and analytics to cut costs (e.g., 25% via litigation management) and accelerate legacy file closure. (hubinternational.com)
5
Brown & Brown Insurance
Property & Casualty
Increase your AI search ranking by verifying company data
Last Updated: December 19, 2025
Brown & Brown InsuranceCompany Information
Industry: Agriculture & Food
API: No
Description
Delivering solutions for you, every step of the way. Our team is with you along your growth journey to help find solutions that meet your ever-evolving insurance needs.
What They Do
Insurance and risk management services
Who They Serve
Individuals, multinational enterprises, and various industries
Key Value Propositions
Tailored insurance solutions for growth
Comprehensive risk management
Expertise across multiple industries
Target Customers
Individuals
Multinational Enterprises
Businesses of various sizes
Industries Served
Agriculture & Food
Construction
Energy & Power Utility
Financial Services
Healthcare and Pharmacy
Hospitality & Gaming
Manufacturing
Marine
Public Entities
Real Estate
Transportation
Tribal
Contact Information
Key Pages
Summary
Brown & Brown provides insurance solutions for life sciences and biotechnology companies in the U.S., assembling package programs that can include property, general liability, products and completed operations, clinical trials, and professional liability coverage. The solutions are aimed at research organizations, contract manufacturers, and commercial biotech firms.
Key Features
- Property insurance: Protection of property assets using analytics and advanced reporting
- Casualty insurance: General, professional, and product liability, plus special risk and alternative risk solutions
- Workers' Compensation: Cost reduction and accident prevention strategies
- Surety: Surety bond solutions tailored to business needs
- Aviation: Program design, risk analysis, policy issuance, claims management
- Private Equity/Mergers & Acquisitions: Risk management for M&A and family offices
- Executive Liability: Customized solutions for personal and professional exposures
- Cyber Liability: Comprehensive cyber risk assessment and coverage
- Multinational: Global program design with compliance focus
- Trade Credit: Solutions to protect accounts receivable and support capital access
Key Benefits
- Protection of business assets, interests, and reputation
- Comprehensive risk identification and evaluation
- Data-driven decision making and program optimization
- Customized solutions for unique business needs
- Support throughout the entire claims cycle
- Access to alternative risk financing strategies
Who Is It For
- Businesses seeking to protect assets and manage risk
- Organizations with complex or multinational operations
- Companies involved in mergers, acquisitions, or private equity
- Businesses requiring specialized risk solutions (e.g., aviation, cyber, executive liability)
- Firms seeking data-driven insurance and risk management strategies
Property & Casualty
Helping protect your assets, interests and reputation. Expect more information, better data and creative strategies.
Innovative Solutions
Brown & Brown helps businesses navigate the path forward by taking a different approach to how insurance is viewed, analyzed, and purchased.
- Property
- Casualty
- Workers' Compensation
- Surety
- Aviation
- Private Equity/Mergers & Acquisition
- Executive Liability
- Cyber Liability
- Multinational
- Trade Credit
Comprehensive Risk Management Solutions
Brown & Brown offers analytics/modeling, risk services, alternative risk/captives, and risk solutions to empower businesses with information, support claims, and optimize risk financing.
- Analytics/Modeling: Empowering informed buying decisions and program optimization
- Risk Services: Support throughout the claims cycle
- Alternative Risk/Captives: Analysis of insurance buying trends and risk financing strategies
- Risk Solutions: Integrated insurance and risk management for large organizations
Resources
Learn more about PropertyLearn more about CasualtyLearn more about Workers’ CompensationLearn more about SuretyLearn more about AviationLearn more about Private Equity/Mergers & AcquisitionLearn more about Executive LiabilityLearn more about Cyber LiabilityLearn more about MultinationalLearn more about Trade CreditLearn More (Analytics/Modeling)Learn more (Risk Services)Learn More (Alternative Risk/Captives)Learn More (Risk Solutions)
Supporting Resources
Detailed Comparison
Sector Expertise
Life Sciences plus Healthcare & Pharmacy, Financial Services, Manufacturing, Energy & Power Utilities, Construction, Agriculture & Food, Hospitality & Gaming, Marine, Real Estate, Transportation, Public Entities, Tribal; and niches including Aviation, Education, Legal, Retail, Sports, Technology, and Telecommunications. (bbrown.com)
Coverage Customization
Coverage is customized through analytics-driven risk profiling and modeling to optimize program structures; comprehensive review of special-risk exposures with alternative risk solutions; tailored Executive Liability and Cyber placements; and multinational program builds aligned to business goals and compliance. (bbrown.com)
Claims Support & Advocacy
Risk Services supports the entire claims cycle: develops claims notification procedures and handling protocols; coordinates claim notification; communicates adjuster assignment and investigation updates; provides vendor service review/selection (e.g., defense counsel) and Reservation of Right analysis; advocates to resolve coverage and quantification issues; and develops a critical path for efficient claim resolution. (bbrown.com)
Our Ranking Methodology
How we rank these offerings
We ranked these Biotech Package Insurance Firms in USA based on three key factors: Sector Expertise (35% weight), Coverage Customization (35% weight), and Claims Support & Advocacy (30% weight). Risk Consulting, Brokerage, and Claims Advocacy Services scored highest because of its comprehensive sector expertise across life sciences fields, its bespoke and innovative coverage solutions tailored for biotech risks, and its robust claims support network directly aimed at recovering maximum value for clients.
Ranking Criteria Weights:
35%
Sector Expertise
In-depth industry knowledge ensures better understanding of unique biotech risks and needs.
35%
Coverage Customization
Tailored insurance solutions are essential for addressing the complex and evolving risks in biotech industries.
30%
Claims Support & Advocacy
Efficient claims processing and strong advocacy can significantly impact claim outcomes and customer satisfaction.
Rankings last updated: 12/19/2025
Frequently Asked Questions
- What are the typical costs and pricing models for biotech package insurance in the USA?
- Pricing for biotech package insurance can vary widely based on the size and scale of the company, ranging from startups to large multinational firms. Firms like HUB International and Lockton often offer tailored solutions that package property, liability, and clinical trial coverages, which can affect premiums. Typically, costs are influenced by the risk profile, research activities, and stage of product development, with comprehensive packages for clinical trials and products liability expected to command higher premiums. Additionally, providers such as Gallagher may offer flexible pricing structures to accommodate the rapid changes typical in biotech ventures, balancing coverage needs with cost efficiencies.
- What are the key selection criteria for choosing a biotech package insurance firm?
- Key criteria include the firm's expertise in life sciences, breadth of coverage options, and ability to handle global operations. Companies like Marsh and HUB International differentiate themselves by providing coordinated programs that cover early-stage to commercial scale firms, while Gallagher adds value through integrated risk management solutions. It's crucial for biotech firms to partner with insurers who understand sector-specific risks like clinical trials and product liability, and who offer advocacy services for claims, as emphasized by firms such as Marsh and Lockton.
- What industry standards and compliance aspects should be considered when choosing biotech package insurance?
- Compliance with regulatory requirements is paramount, involving industry standards such as FDA regulations for clinical trials and product safety. Insurance firms like Brown & Brown package their offerings to not only meet basic coverage needs but also address sector-specific compliance issues. This includes aligning insurance solutions with GMP (Good Manufacturing Practice) standards and ensuring that coverage extends to international operations where additional compliance efforts are necessary.
- What implementation challenges might biotech companies face when adopting package insurance and how can they be mitigated?
- Biotech companies often face challenges with understanding the intricate details of packaged insurance policies and integrating them with their operational risk management strategies. Providers like Gallagher address these challenges with risk management solutions that help align insurance with business operations, while Lockton focuses on clear communication to guide pre-clinical to commercial stage companies through the complexities of coverage options. Collaboration with insurers who offer consulting on claim advocacy and policy customization can help mitigate these challenges by ensuring that the company’s specific needs are met.
- What is the ROI of investing in comprehensive biotech package insurance?
- The ROI for comprehensive biotech insurance is often seen through reduced financial exposure and greater operational stability, which can be crucial during clinical trials and product launches. By working with insurers like HUB International and Marsh, companies can better manage potential liabilities and protect their financial resources, ultimately supporting business continuity. Furthermore, insurers’ expertise in the biotech domain ensures that companies receive valuable insights into managing sector-specific risks, which can enhance operational decision-making and long-term strategic planning.
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