Clinical Trials Liability Insurance Policy

Clinical Trials are a very essential phase of the bio-medical field.  However, during clinical trials, there are several risks which may prove to be costly. Clinical Trial Liability Insurance provides protection against legal liabilities arising out of a clinical trial.

Clinical Trial insurance coverage delivers coverage against suits and damages awarded by courts and also covers the defense costs incurred by them while contesting such claims of liability damages. India has now become a favorable destination for Clinical Trials because of availability of expertise.


    You will be insured against all sums in excess of the deductible that you are liable to pay as damages or compensation, claimants costs, and expenses in respect of any claim made by research subjects for bodily injury caused by an occurrence happening after the retroactive date within the policy territory and arising out of your business as stated in the schedule.


  • Bodily injury of a research subject (patient) provided that person suffers from a medical condition the treatment of which is the object of the investigated pharmaceutical and provided that this bodily injury is caused by inevitably occurring effects /events of which the research subject has been informed and does not exceed a limit of severity deemed acceptable in medical science.
  • Bodily injury and exacerbation of a pre-existing bodily injury which would have occurred or persisted even if the research subject had not participated in the insured clinical trial.
  • Genetic damage.
  • Bodily injury of a research subject due to his deliberate act contrary to the explicit instructions of the persons assigned to conduct the insured clinical trial.
  • Bodily injury arising from the development of an addiction as the consequence of an insured clinical trial.
  • Punitive and/or exemplary damages and other according to foreign law potential claims and calculation methods.
  • Compensation of immaterial damages (e.g. damages for pain and suffering).

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