Explore Connection Advantages
Better Together:
The Power of Life Science Coverage Connections
Life science risks are interconnected — your coverage should be, too.
Learn how aligning coverages with The Hartford helps reduce gaps and creates a more coordinated response when complex losses occur.
Product Liability + Cyber Liability
Product Liability + Human Clinical Trial Liability
Premises Liability + Cyber Liability
Product Liability + Healthcare Professional Liability
Product Liability + Errors & Omissions
Product Liability + Pollution Liability
Product Liability + Directors & Officers
Connection Advantages
Intro
Cargo + Package Policies
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Faster claims resolution Fewer delays, duplicative investigations and coverage disputes.
Reduced gap risk Better alignment across exclusions, definitions and requirements.
Aligned defense control One strategy with consistent counsel and expert selection.
More efficient economics Fewer duplicated retentions and reduced frictional spend.
Stronger manuscript alignment Easier to tailor endorsements for life science exposures.
Our single-carrier approach helps connect coverage, claims and defense, supporting a more coordinated and consistent approach to managing risk.
Complimentary loss definitions One carrier can help consistently interpret “loss,” “damage,” spoilage and QA holds tied to temperature excursions or handling impacts.
Simpler cold‑chain claims A single claims team coordinates triage, QA, salvage, documentation and subrogation.
Fewer location disputes Reduces debates over where loss occurred across transit and storage stages.
Consistent sublimits and endorsements Stock throughput, contingent storage, deterioration and temperature variation align with package limits.
Coordinated vendor recovery Helps improve outcomes with 3PLs, freight forwarders and airlines while limiting subrogation conflicts.
Clear valuation and retentions Aligns cargo and property values to avoid duplicate retentions and valuation disputes.
Ocean/Inland Marine Cargo + Property/Stock Equipment /GL Package
Scenario A biologic shipment is flagged for a temperature excursion and placed on QA hold.
Approach As the single carrier, we help address spoilage, retesting costs, inventory write‑ downs or lost sales across cargo and property —without finger‑pointing.
Why align your coverage strategy?
Interconnected exposure management Product events can trigger downstream governance scrutiny, and a unified placement helps support a more consistent understanding of the underlying event.
Aligned decision‑making context Product claims often drive recall, communication and remediation decisions that may later be examined in governance matters.
Reduced characterization friction Overlapping allegations can lead to different coverage interpretations, increasing tension around how costs, investigations and defenses are characterized.
Continuity across the lifecycle As life science companies evolve, a unified carrier relationship can provide greater continuity in how the overall risk profile is understood.
Product Liability + Directors & Officers (D&O)
Scenario An adverse event triggers a product lawsuit, a stock drop and a derivative claim.
Approach With our one-carrier approach, defense and cost allocation stay aligned — without debates over primacy or whether costs are “defense” or “investigation.”
(Especially for contract manufacturers, developers, labs, software‑enabled devices and service‑heavy life sciences)
Product Liability + Errors & Omissions (E&O)
Scenario A sterilization validation error contaminates devices.
Approach With connected coverage, the response stays aligned — without debates over whether the loss is a service error or a product defect.
Ends the product vs. service debate One carrier reduces disputes when claims allege both product defects and negligent services.
Aligned triggers and reporting Harmonizes occurrence‑based product coverage with claims‑made E&O notice and related‑claims terms.
Fewer allocation disputes Limits disputes over defense cost sharing and causation when plaintiffs plead alternative theories.
Consistent life sciences manuscript Easier alignment of endorsements for development, manufacturing, validation, labeling and tech‑enabled services.
Streamlined defense One defense strategy, coordinated counsel and fewer inconsistent admissions.
For connected devices, SaMD, companion apps, digital therapeutics, manufacturing OT and data integrity)
Scenario A compromised software update causes dosage errors in a device app.
Approach Coordinated coverage helps avoid “not ours” arguments between product and cyber policies.
Cyber‑driven product defects One carrier reduces disputes when cyber events create product failures.
Aligned recall and incident costs Better coordination between product recall coverage and cyber response expenses.
Clear bodily injury triggers Helps avoid clashes between cyber exclusions and product bodily injury coverage.
Unified defense posture One causation strategy prevents conflicting theories that weaken defense.
(For sterilization, EtO, solvents, PFAS, clean‑room chemicals, waste streams and environmental impairment)
Scenario An EtO sterilization issue triggers injury claims and an emissions investigation.
Approach Coordinated coverage helps avoid disputes over whether medical monitoring or response costs fall under product or pollution coverage.
Prevents exclusion “ping‑pong” One carrier can align pollution carve‑backs for product‑related contamination events.
Clear response to combined losses Simplifies handling when bodily injury and environmental response costs arise from the same event.
Aligned incident response Coordinated reporting, remediation and regulatory communication reduce late‑notice risk.
Consistent causation strategy Avoids conflicting positions that undermine defense and coverage.
Unified remediation and defense One plan for consultants, sampling, cleanup and litigation strategy.
(For life sciences with nurses, educators, patient support, device reps in the OR, concierge and clinical services)
Product Liability + Healthcare Professional Liability (HPL)
Scenario A device rep assists in the OR and claims allege both improper guidance and a defective device.
Approach Our coordinated coverage helps avoid disputes over defense control and strategy.
Addresses mixed allegations One carrier reduces disputes when claims allege both product defects and clinical negligence.
Aligned insured definitions Better coordination for coverage of employed clinicians, reps and clinical educators.
Reduced defense conflicts Coordinated strategy across med‑mal and product venues avoids inconsistent defenses.
Simplified settlement strategy One approach to consent‑to‑settle decisions and reputational management.
(For facilities, visitors, labs and integrated security/IoT systems)
Scenario A hacked access system leads to unauthorized entry, vandalism and injury.
Approach Coordinated coverage helps avoid disputes over whether the loss is cyber or premises‑driven.
Covers cyber‑to‑physical losses One carrier can address injuries or damage caused by cyber‑triggered premises failures.
Reduces silent‑cyber gaps Coordinated endorsements help close gaps between cyber exclusions and bodily injury/property damage.
Aligned incident narrative One timeline and causation strategy across forensics and premises investigations.
Coordinated response vendors Streamlines IT, security and facilities vendors while reducing duplicative costs.
(For sponsors, CROs, sites and investigators)
Scenario A protocol deviation causes serious adverse events, followed by allegations of defective investigational manufacturing.
Approach Coordinated coverage helps avoid disputes over whether the loss is trial or product liability.
Claims evolve across phases Trial‑related injury claims can later include product defect or labeling allegations as data develops.
Aligned regulatory and ethics strategy One carrier coordinates IRBs, informed consent, adverse event reporting and regulatory communications.
Clear investigational vs. product treatment Reduces disputes as exposures transition from trial to commercial stages.
Streamlined multi‑party defense Improves coordination of tenders, additional insured status, and cross‑claims among sponsors, CROs and sites.
Aligned triggers and reporting Helps avoid claims‑made vs. occurrence timing and notice gaps.
General Product Description This general product description is information only and designed for insurance producers. It is neither an offer to sell nor a solicitation to purchase any particular insurance product and may not be disseminated to the general public. This general product description outlines the coverage(s) that may be afforded under a policy from The Hartford. All policies should be examined carefully for suitability and to identify all exclusions, limitations and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control. About Surplus Lines Coverage The coverage(s) identified in this general product description may be written on a surplus lines basis. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. In connection with the insurance offered herein, the broker is responsible for any disclosure or stamping requirements associated with surplus lines policies, and compliance with any declination, due diligence, or record-keeping requirements for surplus lines policies, and collection and payment of the applicable surplus lines premium taxes and any other applicable surcharges owed on each policy and to make any related filings. Surplus lines coverage is underwritten by Navigators Specialty Insurance Company, Maxum Indemnity Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI. About The Hartford Underwriting Companies The coverage(s) identified in this general product description may be underwritten by one or more of the property and casualty insurance companies of The Hartford Insurance Group, Inc. In Texas, Arizona, New Hampshire and Washington, this insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois (CT and HI only), Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company (TX only), Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company (except in CT and HI), Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates. The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Fire Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.TheHartford.com. 26-ML-4143800 © August 2026 The Hartford
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Benefits that get to the heart of what matters.
Stronger Protection.
to review how coverages can connect.
Connected Coverage.
contact your local underwriter
When coverage is connected, decisions can be more aligned and outcomes more consistent. Our single-carrier approach helps reduce friction and supports a clearer path through complex risk.
