The life sciences insurance market remains highly competitive, with ample capacity and stable to declining rates across most lines. Directors and officers (D&O) and employment practices liability (EPL) markets continue to offer favorable pricing despite increased claims activity.
Underwriting Focus Areas
Insurers are becoming more selective, placing greater scrutiny on:
Financial performance and governance
Cybersecurity and data quality
Workforce and human capital risks
Emerging exposures, including AI, PFAS, privacy regulations, and litigation funding
Areas of Continued Pressure
Commercial liability remains the most challenging market segment, with ongoing rate pressure driven by increasing claim severity, social inflation, and nuclear verdicts.
What Organizations Should Do
Companies that demonstrate strong risk management practices, provide transparent underwriting data, and regularly evaluate program structures will be best positioned to maximize favorable market conditions and prepare for future shifts.