Admiral covers Clinical Research Organizations in all phases and for all types of drugs and devices. We have enhanced our policy to include clinical investigators and offer first dollar of defense. We offer a modular policy, and specifically target clinical research, including those under contract with drug and device manufacturers.
What’s at Risk
Clinical Trials are subject to complex regulations and intense scrutiny. Having a policy that is flexible enough to address this naturally dynamic environment is critical to all parties involved in each aspect of a Clinical Trial!
Our Solution
Admiral’s modular policy is tailored to fluidly address the multiple phases and constituents in Clinical Trials. Admiral underwriters and our national wholesale broker experts can assist by advising Clinical Trials on what coverages are needed, as well as when they are needed phase by phase of each Clinical Trial.
Clinical Trials Coverage
Learn more about Admiral’s Clinical Trials coverage, including coverage capabilities and sample classes.
Coverage Capabilities
- Primary and Follow Form Excess coverage:
- $5M each claim/$10M Aggregate Limits
- Professional Liability Claims Made & Reported Coverage with Incident Reporting
Sample Classes
- Cardiac Health
- Devices including Implantable and Invasive
- Pediatric
- Phase I – IV trials
- Preventative Medicine
- Psychiatric
- Surgical Techniques and Treatments
- Topical Skin Care Treatments
- Vaccinations
- Weight Loss
Loss Control and Risk Management Services
Provided by OmniSure Consulting Group
- Professional guidance through confidential helpline support and telephonic consultation
- Complimentary access to ProPLUS level membership to OmniSure’s RiskFit® program
- Quick tip videos, toolkits, and eRisk alerts to keep you on top of emerging risks
Download the Clinical Trials Coverage Brochure
Frequently Asked Questions
How does Clinical Trials coverage differ from standard Professional Liability coverage?
Clinical Trials coverage is a specialized form of Professional Liability coverage that addresses exposures arising from human subject research, protocol-driven studies, and investigational products. Unlike standard Professional Liability coverage, which primarily responds to allegations of negligence in the delivery of professional services, Clinical Trials coverage is designed to address research-specific exposures such as protocol deviations, informed consent issues, regulatory compliance concerns, and participant injury claims.
Does participant geography affect Clinical Trial insurance considerations?
Yes, the geographic footprint of a clinical trial can be a key factor in the underwriting process. Trials conducted across multiple regions or study sites may present additional operational and regulatory considerations that influence how exposure is evaluated. To facilitate efficient underwriting, brokers should provide details regarding participant enrollment locations, research sites, and the overall scope of the trial so coverage can be tailored to the specific study.
Are decentralized or virtual clinical trials eligible for coverage?
Yes, Admiral’s E&S solution allows us to accommodate a broad range of clinical trial models, including decentralized, hybrid, and virtual studies. We understand that clinical research continues to evolve alongside advancements in telehealth, remote monitoring, and other technology-enabled healthcare delivery solutions. Each submission is reviewed on its own merits, with consideration given to study design, oversight, participant engagement, and operational framework.
Can primary and excess Clinical Trial coverage be placed through Admiral?
Yes, Admiral provides both primary and follow-form excess Clinical Trials coverage. Whether a broker is building a new program or adding excess capacity, our Underwriters evaluate each opportunity individually to help support the needs of the clinical trial.
Can Admiral support coverage needs throughout the lifecycle of a clinical trial?
Our appetite is focused on organizations providing Clinical Trial services to third parties on a fee-for-service basis, particularly within Phase II through Phase IV studies. While we are not a market for true research and development exposures, including organizations that develop, sponsor, or own investigational products, we are interested in the professional services that support the clinical trial process. We maintain a broad appetite across therapeutic areas and are comfortable considering both traditional and more specialized studies, including behavioral health, pediatrics, cardiology, and other complex clinical trial segments.