Healthcare & Life Sciences

Healthcare and life sciences organizations operate in highly regulated environments where risk extends across innovation, patient care, data security, and leadership responsibilities. Swingle Collins partners with healthcare providers and life sciences companies that need sophisticated, industry-specific guidance.

We help clients navigate exposures tied to clinical operations, product development, data privacy, and governance — structuring programs that support growth while meeting investor, partner, and regulatory expectations. Coverage decisions are approached strategically, with an emphasis on long-term protection rather than short-term pricing.

Our Advisors act as outsourced risk managers — coordinating coverage, advising on best practices, and helping organizations anticipate issues before they arise. The result is a program that supports innovation with confidence.

Directors & Officers (D&O) Liability

• Board governance risk
• Investor / shareholder actions
• Regulatory investigations
• Private equity-backed platform considerations

Cyber & Privacy Liability

• HIPAA / PHI obligations
• Connected medical devices and health tech exposure
• Ransomware and business interruption
• Vendor ecosystem risk

Product Liability (Life Sciences Focused)

• Medical device and biotech exposures
• High-severity bodily injury risk
• Global distribution considerations

Clinical Trials Liability

• Site-specific and global protocol nuances
• Participant injury coverage
• International placements

Product Recall & Contamination

• Recall execution costs
• Brand rehabilitation
• Distribution chain impact

Intellectual Property (IP) Liability

• Defense against infringement claims
• Contractual indemnification exposures

Cargo & Temperature-Controlled Logistics

• Trial materials
• Biologic and device distribution
• Supply chain interruption

Medical Professional Liability (Providers / Clinical Operators)

• Medical malpractice coverage for physicians, allied health professionals, and clinical staff
• Coverage for misdiagnosis, treatment errors, and failure to diagnose
• Tail coverage and prior acts protection for continuity across policy periods
• Telemedicine and digital health service exposures
• Regulatory and licensing board defense coverage

Employment Practices Liability (EPL)

• Wrongful termination, discrimination, and harassment claims
• Wage & hour and employee classification exposures (where insurable)
• Retaliation and whistleblower allegations
• Third-party liability (patient or vendor claims against staff)
• HR risk management support and claims response guidance

Property & Business Interruption

• Lab environments
• Specialized equipment
• Utility service interruption

Crime

• Social engineering
• Funds transfer fraud
• Employee dishonesty

Alternative Risk / Captive Evaluation

• Feasibility analysis for mature platforms
• Long-term cost stabilization strategy