Make the operating model clear.

Biotech companies

Make the research operation legible to an insurance reviewer. The submission should connect the laboratory, the materials, and the commitments made to research partners.

A laboratory lease, sponsored research agreement, or change in development activity.

Start with the activity performed today. Explain who owns the instruments, where materials are stored, and whether another organization depends on your deliverables. Flag a planned change in studies or commercialization so the discussion can address it explicitly.

Questions for the account

• What happens in your space, and what is outsourced?
• Which instruments or stored materials would be difficult to replace?
• What does the research agreement require you to deliver?
• What will change before the next renewal?

Scope of the discussion

Clinical trials, product activities, and specialized research exposures need a separate scope review. The coverage categories on this site are a starting point, not a complete life-sciences program.

Healthcare services

Build the discussion around how care is delivered. Treatment responsibilities, facility agreements, and information handling belong in the same account description.

A new service location, facility agreement, or change in the services offered.

Distinguish the entity arranging services from the people delivering them. Describe the setting, outside providers, and systems holding patient information. Professional liability wording needs to be considered against the actual service and contractual responsibilities.

Questions for the account

• Which services does the business provide?
• Where is care delivered, and under whose agreement?
• Who maintains records and administers access?
• Which professional liability policies are already in place?

Scope of the discussion

An introductory discussion needs the business model, not a patient history. Keep identifiable health information out of scheduling notes and general correspondence.