Products people put in their bodies need the right coverage.
Product liability, clinical trials liability, recall and E&O for dietary supplement, CBD, medical device, pharmaceutical and research companies.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Product claims follow the product
Life sciences companies face claims that a product caused injury, sometimes years after sale. Supplements and CBD products face extra scrutiny, and clinical research brings its own liability.
I place life sciences risks with markets that write the class, including companies that use contract manufacturers and those running clinical trials.
- Product liabilityInjury claims from products.
- Clinical trialsLiability for research subjects.
- Product recallCosts to pull products.
- E&OServices and formulation claims.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Products: what you make and sell.
- Manufacturing: in-house or contract.
- Sales: annual sales and markets.
- Research: clinical trials or R&D.
- Quality: testing and certifications.
- History: claims or recalls.
Life sciences insurance, answered
Do supplement brands need product liability if they use a contract manufacturer?
Yes. Brands are usually named in claims, and retailers often require coverage.
Is CBD covered?
With markets that write it. Many standard policies exclude cannabis-derived products.
Do clinical trials need separate coverage?
Usually. Trial sponsors often need clinical trials liability.
Is a recall covered by product liability?
No. Product recall is a separate coverage.
Do you offer life sciences insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your product list. I'll shop it.
Products, sales and how they're made are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.