AT A GLANCE
How the protection works
The presentation should describe services, users, professional responsibilities, safeguarding, premises, employees, volunteers and the organisation’s governance.
Clinical Trials Insurance is not one universal contract. Eligibility, sections, limits and wording vary by insurer and must be matched to the individual risk.
PEOPLE & CARE
What may be covered
- Public and employers’ liability for injury or illness allegations connected with insured activities.
- Professional, treatment, malpractice or abuse-related liability only where expressly included.
- Property, equipment, business interruption, trustee or management liability where selected.
Cover applies only as stated in the quotation, schedule and full policy wording.
BOUNDARIES
Common exclusions and limitations
- Known incidents, deliberate acts and circumstances that should have been notified before inception.
- Services, treatments, qualifications or user groups outside the agreed description.
- Safeguarding, supervision, record-keeping or regulatory conditions not met.
This is not a complete list. The actual wording, endorsements, excesses and schedule determine the protection.
CLAIMS IN PRACTICE
How a claim might arise
01. A service user alleges injury or harm arising from care, treatment or supervision.
02. An employee or volunteer is injured while carrying out an insured activity.
03. A governance or professional decision leads to an allegation and defence costs.
These examples are illustrative only and do not confirm that a particular claim would be covered.
CHOOSING COVER
Questions worth resolving
- Are every service, treatment, user group and professional qualification declared?
- Do safeguarding, supervision and record-retention procedures meet insurer expectations?
- Which liability sections and limits are required by regulators or contracts?
CONNECTED RISKS
Related protection to consider
- Property and business interruption where physical damage could stop operations.
- Public, employers’ or product liability for injury and property-damage exposures.
- Cyber, professional indemnity or management liability where data, advice or governance creates additional risk.
- Motor, marine, travel or other specialist protection where the activity requires it.
QUESTIONS
Frequently asked questions
Are every service, treatment, user group and professional qualification declared?
The answer depends on the facts presented to the insurer and the terms offered. Accurate, current information is essential.
Do safeguarding, supervision and record-retention procedures meet insurer expectations?
Limits and conditions should be tested against realistic loss scenarios, contracts and the time or cost of recovery.
Which liability sections and limits are required by regulators or contracts?
Documented controls help an insurance professional explain the risk and may affect available terms.
NEXT STEP
Return to the overview. Or begin your proposal
DIBNI acts as an introducer. Availability, advice and terms depend on the insurance professional’s assessment and the insurer’s underwriting.
Related insurance: Product Liability Insurance · Professional Indemnity Insurance
Australian insurance context
For Australian organisations, Clinical Trials Insurance Guide should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
Explore the related topic · Explore insurance solutions · View insurance guides · Begin your proposal