CORESHIELD · LIFE SCIENCES
Plan protection around each stage of discovery.
Explore the changing risks of research, clinical studies, products, intellectual property, and commercialization.
Talk with CoreShield (844) 504-CORE- 01Tell us about your work
Start with your role and activities.
- 02Explore what fits
See the reason behind each suggestion.
- 03Bring it together
One shortlist. One initial request.
START WITH YOUR SITUATION
What does your work involve?
Choose your role, then select the activities or priorities that apply.
Start with your employer benefits. Review personal health, life, and disability needs, and any professional work outside your employer’s protection.
EXPLORE & UNDERSTAND
Coverage worth a closer look.
These are starting points for a conversation. Your activities, existing insurance, and policy terms determine what is appropriate.
Business protection
Product liability
Consider injury or damage allegations involving products you make, sell, or distribute.
What to consider
- Who may want to explore it
- Manufacturers, importers, retailers, and other product businesses.
- Points to review
- Recall costs and damage to your own product may require separate protection.
- Useful to have ready
- Product descriptions, sales, suppliers, territories, and quality controls.
Business protection
Product recall & contamination
Explore the expense of withdrawing an unsafe or contaminated product.
What to consider
- Who may want to explore it
- Review this option if the activities described apply to you.
- Points to review
- Recall costs are different from injury liability; triggers and covered expenses vary.
- Useful to have ready
- Products, traceability procedures, suppliers, and recall plans.
Business protection
Commercial property
Consider how to protect buildings, inventory, equipment, and other business property.
What to consider
- Who may want to explore it
- Owners and tenants with physical assets at a business location.
- Points to review
- Flood, earthquake, valuation, and coinsurance provisions deserve a separate review.
- Useful to have ready
- Property values, construction, occupancy, locations, and loss history.
Business protection
Equipment breakdown
Review coverage for certain sudden mechanical, electrical, or pressure equipment failures.
What to consider
- Who may want to explore it
- Operations that depend on machinery, refrigeration, or building systems.
- Points to review
- Wear, maintenance, and ordinary deterioration are different from an insured breakdown.
- Useful to have ready
- Equipment schedule, maintenance records, and estimated replacement costs.
Business protection
Cyber insurance
Explore protection and response services for data breaches and certain cyber incidents.
What to consider
- Who may want to explore it
- Organizations that hold information, accept payments, or rely on digital operations.
- Points to review
- Security requirements, ransomware terms, social engineering, and exclusions vary.
- Useful to have ready
- Security controls, data types, revenue, vendors, and incident history.
Business protection
Workers’ compensation & occupational coverage
Review workplace injury coverage and related employer liability considerations.
What to consider
- Who may want to explore it
- Businesses with employees or specific occupational exposures.
- Points to review
- State rules, duties, employee or contractor status, owner elections, and any maritime exposures. Requirements vary.
- Useful to have ready
- Payroll by job, work locations, employee count, and loss history.
Business protection
Employment practices liability
Consider coverage for certain employment-related allegations against your organization.
What to consider
- Who may want to explore it
- Employers reviewing hiring, termination, harassment, or discrimination exposures.
- Points to review
- Wage-and-hour treatment, defense costs, exclusions, and retention amounts vary.
- Useful to have ready
- Employee count, HR practices, turnover, and employment claims.
Employee benefits
Group health
Explore medical benefit options for your employees and their families.
What to consider
- Who may want to explore it
- Employers designing a new medical plan or reviewing an existing program.
- Points to review
- Networks, contributions, eligibility, funding, and renewal terms shape the program.
- Useful to have ready
- Employee census, locations, current plan, renewal date, and contribution approach.
Employee benefits
Group life & AD&D
Explore employer-sponsored life and accidental death and dismemberment benefits.
What to consider
- Who may want to explore it
- Employers supporting employees and the people who depend on them.
- Points to review
- Benefit amounts, eligibility, portability, and evidence of insurability vary.
- Useful to have ready
- Employee census, salary information, benefit design, and current plan.
Employee benefits
Group disability benefits
Review short- and long-term disability options for employee income protection.
What to consider
- Who may want to explore it
- Employers considering support during an eligible period of disability.
- Points to review
- Definitions, benefit duration, waiting periods, and offsets require comparison.
- Useful to have ready
- Employee census, occupations, salaries, leave policies, and current coverage.
Personal protection
Personal disability income
Review income protection if illness or injury prevents you from working.
What to consider
- Who may want to explore it
- People who depend on earned income to meet ongoing obligations.
- Points to review
- Occupation definition, waiting period, benefit period, exclusions, and any employer benefits.
- Useful to have ready
- Occupation, income, current benefits, monthly obligations, and desired benefit period.
Personal protection
Term life
Explore life insurance for a defined period of family or financial responsibility.
What to consider
- Who may want to explore it
- People seeking protection during working years, a mortgage, or dependents’ needs.
- Points to review
- Term length, conversion rights, underwriting, and future renewal costs matter.
- Useful to have ready
- Coverage objectives, existing policies, financial obligations, and desired term.
Personal protection
Individual & family health
Explore medical coverage options for yourself or your household.
What to consider
- Who may want to explore it
- People reviewing individual coverage or a change in employer coverage.
- Points to review
- Enrollment eligibility, networks, drug formularies, and out-of-pocket costs matter.
- Useful to have ready
- ZIP code, household details, current coverage, and doctors or medications to review.
Business protection
Technology errors & omissions
Review claims that technology products or services caused a client financial loss.
What to consider
- Who may want to explore it
- Review this option if the activities described apply to you.
- Points to review
- Service definitions, cyber overlap, contract promises, and professional exclusions.
- Useful to have ready
- Services, customer contracts, dependencies, and incident history.
Business protection
Directors & officers liability
Review claims connected to decisions made by company directors and officers.
What to consider
- Who may want to explore it
- Organizations with leadership, investors, boards, or outside directors.
- Points to review
- Insured parties, entity coverage, exclusions, and reporting terms vary.
- Useful to have ready
- Ownership, financial statements, board structure, and claims history.
Business protection
Professional liability
Consider claims alleging errors, omissions, or negligence in your professional services.
What to consider
- Who may want to explore it
- Businesses that provide advice, designs, expertise, or professional services.
- Points to review
- Retroactive dates, claims reporting, and the definition of professional services matter.
- Useful to have ready
- Services, professional licenses, contracts, revenue, and past claims.
Business protection
Clinical trials liability
Discuss participant-injury exposures for clinical studies.
What to consider
- Who may want to explore it
- Review this option if the activities described apply to you.
- Points to review
- Trial countries, sponsors, protocols, participant injury, and local policy requirements.
- Useful to have ready
- Protocols, locations, phases, enrollment, and sponsor agreements.
Business protection
Intellectual property risk
Explore defense or enforcement coverage for specified intellectual property disputes.
What to consider
- Who may want to explore it
- Review this option if the activities described apply to you.
- Points to review
- Defense and enforcement differ; known disputes and patent risks require close review.
- Useful to have ready
- IP portfolio, licensing arrangements, jurisdictions, and disputes.
No options match these filters.
Broaden the view to see the options available for your role.
Ask Colby
I’m Colby. How can I help you understand your coverage options?
PREPARE FOR A USEFUL CONVERSATION
Turn the details into a clearer plan.
Have these details ready
Development stage, protocols, study countries, products, values, and contracts.
A distinction that matters
Clinical trials, product liability, recall costs, and research property need separate attention.
Insurance Program Design
Discuss how limits, terms, and policies work together.
Risk Control & Loss Prevention
Explore steps to reduce the likelihood or impact of losses.
Business Continuity Planning
Consider how your business would respond to an interruption.
Benefits Strategy & Plan Design
Connect workforce needs, business objectives, and benefit design.
