---
title: 12 Essential Things - Product Liability Insurance Coverage
description: 12 Essential Things - Product Liability Insurance Coverage
---

[Medmarc Blog (blog.medmarc.com) ](https://medmarc.com/life-sciences-news-and-resources/blog)

# [12 Essential Things - Product Liability Insurance Coverage](https://medmarc.com/life-sciences-news-and-resources/blog/12-essential-things-product-liability-insurance-coverage)

 Written by [Medmarc Insurance](https://medmarc.com/life-sciences-news-and-resources/blog/author/medmarc-insurance-group) | Aug 19, 2025 6:52:27 PM

Here are **12 essential things** that life sciences clients should have included with their **product liability insurance coverage**, based exclusively on insights from **Medmarc:**

1. ** Tailored Coverage for Life Sciences**

Medmarc’s product liability insurance is specifically designed for **medical technology, biotechnology, pharmaceutical, and diagnostic companies**, with no boilerplate exclusions for certain diseases or outcomes. [https://medmarc.com/insurance-solutions/products-policy-highlights/](https://medmarc.com/insurance-solutions/products-policy-highlights/).

1. ** Automatic Clinical Trial Coverage**

Coverage for clinical trials is **automatically included**, unless local regulations require otherwise. No prior notification is needed for new trials during the policy period.

1. ** Worldwide Coverage**

Medmarc provides **global coverage**, defending clients wherever a claim is brought, subject to U.S. sanctions or embargos.

1. ** First-Dollar Claims Management**

Claims are managed **in-house by Medmarc** from the moment they’re reported, without waiting for deductibles to be consumed or involving third-party administrators.

1. ** Flexible and Aggregated Deductibles**

Deductibles are **aligned with your financial capacity** and aggregated, so your maximum out-of-pocket costs are known upfront.

1. ** Extended Reporting Periods**

Medmarc offers **automatic and optional extended reporting periods**—up to six years—for claims related to bodily injury or property damage.

1. ** Coverage for Known or Foreseeable Side Effects**

Policies include coverage for **bodily injury arising out of known side effects** of or adverse reactions to your products.

1. ** Additional Insureds Are Covered**

Coverage extends to **vendors, CROs, IRBs, sales reps, service techs, and medical staff** involved in product delivery, training, or oversight.

1. ** Automatic Coverage for New Entities**

Newly acquired or formed organizations are **automatically covered for 90 days**, provided no similar insurance exists.

1. ** Exclusions Can Be Broad**

Other insurance carriers exclude products based on **industry trends or carrier experience**, even if the insured hasn’t had issues. Examples include exclusions for silicone, metal-on-metal implants, or hormone therapies. Medmarc does not.

1. ** Compassionate Use Coverage**

We **provide coverage when the doctrine of “compassionate use”** prompts a clinician to use an unapproved product on a patient who is not enrolled in a clinical study.

1. **Coverage for Medical Products Sales and Service Personnel**

Your sales and service representatives who provide technical expertise, product training, and sales support in connection with the sale, loan, lease, or delivery of your products are insured. **Your medical staff members are insured** for liability arising from their providing or failing to provide supervisory or instructional services.

**References**

[1] [Life Sciences Products Liability Highlights | Medmarc](https://medmarc.com/insurance-solutions/products-policy-highlights/)

[2] [Life Sciences Products Liability Coverage Features | Medmarc](https://medmarc.com/insurance-solutions/products-coverage-features)

[3] [Insurance Issues that Arise in Products Liability Litigation for Life ...](https://medmarc.com/life-sciences-news-and-resources/publications/insurance-issues-that-arise-in-products-liability-litigation-for-life-sciences-companies) 

[View full post](https://medmarc.com/life-sciences-news-and-resources/blog/12-essential-things-product-liability-insurance-coverage)

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