HEALTHCARE & LIFE SCIENCES
The insurance broker ambitious life sciences leaders trust.
Breakthroughs require trust. From clinical trials to digital care, Vouch helps healthcare innovators stay protected, credible, and ready to scale.
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Gain a partner who understands your world and delivers protection that builds trust with patients, partners, and regulators.
Clarity Across Complex Risks
Exposures like patient data and specimen testing are unique. Our programs close gaps that others miss.
Coverage That Scales
From R&D to commercialization, Vouch designs programs that grow with you and prevent costly gaps or overspend.
Regulatory Alignment
Our advisors ensure coverage holds up under audits, compliance checks, and partner reviews.
Credibility With Patients and Partners
The proper coverage signals maturity and reliability to patients, payers, and investors.
RISK TRENDS
We understand the high stakes of healthcare.
Sensitive Patient & Clinical Data
Digital health and telehealth companies manage massive amounts of PHI. A single breach can spark HIPAA violations, lawsuits, and lasting reputational damage.
Overlapping Liability Exposures
Healthcare sits where clinical, tech, and operational risks collide. Malpractice, E&O, and cyber often blur together, leaving gaps generic brokers miss.
Regulatory Complexity
From HIPAA to FDA to state boards, oversight is constant and evolving. Scaling services or therapies without aligning coverage creates costly compliance gaps.
Rapid Expansion of Services
New models and expanded markets shift risk fast. Without tailored updates, coverage misaligns and costs escalate.
WHY VOUCH
Built to Grow With You.
Healthcare and life sciences companies operate in high-stakes, regulated environments. Vouch delivers coverage that scales with your science and your milestones.
Streamlined platform
Simple, digital applications let you focus on trials and breakthroughs, not paperwork.
Access to 80+ top carriers
Protection trusted by boards, partners, and regulators that satisfies CROs, hospital systems, and licensing partners.
Benchmarking insights
Align your coverage with peers at your stage to ensure you're neither overpaying nor underinsured.
Expert advisors
We understand clinical, regulatory, and IP exposures so your protection keeps pace with your science.
Specialized coverage
Through an integrated partnership with a leading SMB insurer, Vouch bridges medical and technology risks in one comprehensive program.
COVERAGES FOR HEALTH & LIFE SCIENCES
Core Coverages for Healthcare Companies
Insurance Essentials
Directors & Officers
Errors & Omissions
Cyber Liability
General Liability
Business Property
Product Liability
Employment Practices Liability
CLAIMS EXAMPLES
Life Science startups experience heightened exposures at an earlier stage.
Case Study
Incident
A startup develops machine learning and artificial intelligence software to improve pathology techniques and drive faster, more accurate disease diagnosis. However, during their latest release, a bug in the software prevented several clients of the startup from reliably using the software. The clients filed suit against the startup for financial losses resulting from the error.
Resolution
The Vouch E&O policy responds by covering the cost of an attorney to represent the company, and funds settlements with several of the company’s clients.
Incident
A startup provides a software platform used by hospitals to manage back-end resourcing. Suddenly, a bug causes a 72 hour outage. As a result, the hospitals cannot access their systems, there is damage to the network infrastructure, and personal health information (PHI) are breached.
Resolution
This is an example of a common, complex claim scenario that may trigger multiple coverages, including E&O and Cyber. In this case, the client’s E&O policy covers financial losses resulting from the software failure. Their Cyber policy covers cyber breach response costs as well as business income loss expenses associated with the cyber breach.
Incident
A company develops a tool designed to increase the speed and efficacy of deep tissue biopsies. After successful clinical trials, the company hires a highly experienced Chief Marketing Officer (CMO), who was most recently employed in a leadership marketing role at one of the company’s competitors. The competitor files a lawsuit against the company and the CMO, alleging misappropriation of the competitor’s trade secrets.
Resolution
Although there are no merits to the claims, there are still legal costs associated with the lawsuit. In this case, the company’s Vouch D&O policy provides coverage to the company and the CMO by covering the costs of attorneys’ fees to defend against the claim.
Damage to rented event space
Incident
A startup providing an online restaurant reservation platform holds its annual holiday party at a rented event space, and an employee accidentally knocks a painting off the wall which cracks the frame. The event space demands that the startup reimburse it for $5,000, the cost to repair the painting.
Resolution
The general liability portion of the BOP policy covers the cost to repair the painting. A copy of the invoice to repair the frame is enough to reimburse the event space on the same day.
Advertisement alluding to competitor triggers lawsuit
Incident
A consumer marketplace startup is acquired by another player and decides to launch a new advertisement campaign to announce this milestone. In the ads, they try to hint at their main competitor by playing with certain words and expressions that this competitor uses in their marketing. They receive a demand letter from the competitor alleging that their slogan was improperly used in the advertisements.
Resolution
The claim triggers the personal & advertising injury portion of the general liability policy, which provides cover for the cost of attorneys’ fees and a potential settlement or judgment up to the policy limits.
Driverless vehicle causes accidents
Incident
A series C startup makes driverless vehicles for delivery services that operate on city streets and highways. On a busy Friday evening, a brake malfunction causes one of their vehicles to rearend multiple cars at traffic stops, causing significant property damage. A class action lawsuit is filed against the startup on behalf of the owners whose vehicles were damaged.
Resolution
The products and completed operations portion of the general liability policy provides coverage for the cost of attorneys’ fees to defend the class action, and a potential settlement or judgment up to the policy limits.
Business insurance for life-saving products
Start by applying online in 10-minutes or less.
Your Insurance Advisor will follow up to ensure your startup is properly protected.
Review your proposal and activate coverage within 1 business day.
WHAT CLIENTS SAY
“Our customers have big insurance requirements. We realized working with Vouch that our prior coverage put us in a very vulnerable position. Vouch gives us the confidence that we’re appropriately covered.”
Justin Barad
MD & CEO, Osso VR
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“Vouch has amazing customer service. Real people who actually respond intelligently, carefully, and in a timely manner.”
Todd Schurr
Operations, Entelexo Biotherapeutics
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“It was super refreshing to talk about coverage with insurance advisors who really understood our industry and what we needed. The whole process was nice and simple.“
Zorina Noland
Finance Manager, Element5
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VOUCH Team
Meet our Life Science Experts
Cassidy Szarnicki
Vertical lead
Cassidy has 5+ years experience working with and investing as a Venture Capital investor in HealthTech and Life Science companies, including pharmaceuticals, medical devices, biotech, and broader Health and Wellness companies. Her expertise underscores her ability to assess complex risk landscapes.
Matthew Miller
LEAD UNDERWRITER
Matt has been working with Life Science companies his entire professional career. Prior to joining Vouch, Matt worked as a Life Sciences Underwriter at Chubb Insurance. His areas of expertise include Pharmaceutical, Medical Devices, HealthTech, Supplement/Nutraceutical, Biotechnology, & Clinical Trials companies.
INSURANCE 101
Why Business Insurance Is Hard for Life Science Startups
A guide to Life Science insurance challenges, and how to get covered efficiently and affordably.
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