Beazley vs Harper Product Liability Insurance

Beazley includes products/completed operations coverage as one of the core coverages in its Life Sciences package, bundled in a single policy form (BioSecure) alongside errors and omissions, healthcare professional liability and general liability rather than sold as a standalone product-liability policy. ^5,6Company-reported. Life Sciences and BioSecure product pages; the bundled structure applies to this life-sciences segment, not a general commercial product-liability offering.

Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ⁹Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

The reviewed Life Sciences and BioSecure pages do not name the insurer that issues products/completed operations coverage for a given account; the issuing entity is not established by these product pages. ^5,6Not found in reviewed sources. Both pages as read on 2026-09-23; no policy form, declarations or entity-specific disclosure for this line was reviewed.

The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. ^9,10Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

Beazley targets middle-to-large life-sciences organizations for this coverage, including medical device companies, pharmaceutical and biopharmaceutical manufacturers, blood and tissue banks, biotechnology firms, contract research and contract manufacturing organizations, and academic research institutions. ^5,6Company-reported. "Who we can help" sections of the Life Sciences and BioSecure pages; smaller life-sciences companies or other segments are not addressed by these pages.

Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ⁹Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.

Beazley describes products/completed operations coverage as responding to bodily-injury and property-damage claims arising from a life-sciences organization's sold products, illustrated with scenarios such as a heating pad allegedly causing burns and a device allegedly causing skin burns during a procedure. ⁶Company-reported. Illustrative example scenarios on the BioSecure page; scenarios show the type of claim the coverage is meant to address, not a guarantee that a particular claim is covered.

Product-liability coverage for life sciences is written on one of three product forms: BioSecure for clinical-trial and sold-product organizations, NutraGuard for nutraceutical, personal-care and cosmetics companies, and WellTech for technology-focused life-sciences organizations; general liability within the package can be written on a claims-made or occurrence basis. ⁵Company-reported. Life Sciences page "Our Coverages" and general-liability line item; the reviewed pages describe BioSecure in the most detail and do not itemize which coverages NutraGuard and WellTech each include.

Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ⁹Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.

The reviewed Life Sciences and BioSecure pages do not publish limit, retention or deductible amounts for products/completed operations coverage; those figures are not shown until an application and quote. ^5,6Not publicly disclosed. Both pages as read on 2026-09-23.

Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. ⁹Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Beazley says it has dedicated wordings professionals who craft policies for the life-sciences sector and a named healthcare claims team, including a Claims Team Leader and Claims Product Specialist for healthcare, that handles claims on this coverage. ^5,6Company-reported. "The Beazley Difference" bullets and team listings on the Life Sciences and BioSecure pages; claims-handling quality and turnaround are not independently verified.

Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. ⁹Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

Beazley posts a Life Sciences application form and a separate BioSecure application under each page's Tools & Resources, pointing to a broker-submitted underwriting process rather than a direct online quote for this coverage. ^5,6Company-reported. Tools & Resources links on both pages; the application forms themselves were not opened.

You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. ⁹Company-reported. Product liability page quote form and 'Why Harper' process steps.