Commercial insurance · San Francisco
Business insurance for biotech and healthcare.
We arrange commercial insurance around your research or care delivery. From laboratory property to professional liability, we prepare the submission and compare quotes so you can choose with the policy terms explained.
A selection of our customers
Research and care businesses
Coverage for research businesses and care providers.
We build each insurance submission around the activities you perform. Laboratory research and patient care need distinct descriptions and policy terms.
Biotech companies
We arrange commercial insurance for biotech businesses based on their current research activities. We connect laboratory property and professional obligations in the account we take to market.
Insurance for this businessHealthcare services
Commercial insurance for healthcare services needs to reflect who delivers care and where it happens. We seek coverage for the business using its treatment responsibilities and facility arrangements.
Insurance for this businessWe match policy terms to your research and care.
Research services, patient care, and laboratory equipment create different insurance needs. We examine the professional activities covered, the property valuation terms, and the response to a data incident. You see where a proposal fits your operation and where specialist coverage needs further work.
The science described accurately
Laboratory work, clinical activity, and anything involving human subjects are underwritten differently. We set out what actually happens on site so the account reaches the right desks.
Property that is hard to replace
Instruments, samples, and cold storage can carry exposures a general property schedule does not address without specific review. We record values, dependencies, and what a temperature failure would cost.
Sponsor and landlord requirements reviewed
Research agreements and laboratory leases name limits, insured parties, and endorsements. We read those obligations against the terms each insurer offers and report what is outstanding.
Business insurance policies
Insurance for the work inside your facility.
We source professional liability, property, and cyber coverage, then check how the proposed policies treat your services and equipment. Where specialist terms are needed, we make that clear.
Choose a policy to read about
Professional liability
Professional liability insurance can respond to claims about errors in the services you deliver. We seek terms that describe your research work or healthcare services accurately.
What we check in the quotes
- Services included in the application and coverage definition
- Restrictions on contractual liability or promised results
- Retroactive dates and the deadlines for reporting claims
- Treatment of defense costs and applicable deductibles
Commercial property
Commercial property insurance covers eligible damage to business assets. We review laboratory equipment and premises responsibilities, with attention to materials that need special terms.
What we check in the quotes
- Values and insurance obligations for owned and leased equipment
- Coverage and valuation of biological materials
- Conditions for temperature damage, utility failure, or equipment breakdown
- Interruption limits and reliance on other premises
Cyber liability
Cyber insurance can address incident expenses and claims involving compromised information. We compare coverage for healthcare records, research systems, and reliance on outside technology.
What we check in the quotes
- Privacy claims and eligible response expenses
- Interruption involving your systems or an outside provider
- Security representations the business must confirm
- Required response providers and limits on particular losses
Get your business insurance underway.
Book a call about the cover your business needs. We will help with the application and take your laboratory or healthcare account to market.
We read the policy beyond its summary.
We examine how a quote defines professional services, handles damage to laboratory instruments, and covers a breach of business or patient data. Exclusions and reporting conditions are part of our comparison.
Answers about policy terms →How we work for you
We manage the application through to your decision.
You know the business. We guide the insurance application, take it to market, and explain the proposals that come back.
Understand the operation
We ask about the research or care you deliver, where it happens, and the contracts that govern it. We identify the coverage needed for a new facility or renewal.
Seek insurance proposals
We prepare the account using the business facts you confirm. We handle market questions and follow up on quotes, including any conditions that need resolving.
Recommend the terms
We explain how the proposals differ and which exclusions affect your work. Our recommendation accounts for the premium and the costs your business would retain.
Laboratory and healthcare insurance, explained.
Can you arrange insurance for a laboratory?
Yes. We prepare the commercial insurance account around the research performed, equipment used, and obligations in the lab agreement. We seek proposals and explain the terms. Start with the activity and coverage date; we will guide the supporting information needed.
How do you approach professional liability for research and care?
We start with the actual service being insured. Analysis delivered to a research partner and treatment delivered to a patient require different descriptions. We check each proposal against those activities and explain any excluded services or contractual promises.
Will property insurance pay for interrupted research?
That needs a separate check from equipment replacement. We examine the property and interruption provisions for the consequences of downtime, along with terms for biological materials. An equipment value alone does not establish which of those losses a proposal covers.
Insurance for work that crosses facility boundaries.
The UCSF campus in Mission Bay includes research, clinical, and education facilities. Businesses working across laboratory and care settings can depend on premises or equipment controlled by others. We use your facility and research agreements to describe those responsibilities in the submission, then check the proposed insurance for the activities your business performs.
Our insurance approach →