1. Business Insurance for
Medical Technology
and Life Science Companies
INSURING INNOVATION THAT
IMPROVES OUR WELL-BEING
Choose The Hartford, an insurance leader
that knows life sciences.

2. At The Hartford, we have been insuring the technology and life sciences
industry for more than 25 years. We understand the rapidly changing
environment in which your business operates. As you focus on improving
the well-being of the general public, you need an insurance carrier that
focuses on protecting your business, so you can concentrate on the things
that matter most.
Fortunately, through an alliance between The Hartford and Medmarc®,
your company has access to superior protection. Since 1995, both insurance
leaders have been working together to provide medical technology and life
science companies with a total insurance solution, built upon our combined
expertise.
To offer a complete business insurance package:
• The Hartford provides a broad portfolio of essential insurance coverages,
and services which help protect and reduce loss.
• Medmarc provides comprehensive products and clinical trials
liability coverage.
Insurance Designed with Your
Business in Mind
Wondering if The Hartford’s insurance package is appropriate for your
business? Our customized coverage for medical technology and life
science businesses is designed to meet the unique insurance needs of:
• Medical device manufacturers and distributors
• Pharmaceutical manufacturers and distributors
• Biotech research and development companies
• Medical, drug and hospital equipment wholesalers
• Testing laboratories
WHY LIFE SCIENCE
& TECHNOLOGY
COMPANIES CHOOSE
THE HARTFORD
• 25+ years of experience
insuring technology
businesses
• 82,000+ technology and
life science customers
• Trusted carrier for 200
years, we deliver on our
promises to pay claims
• 8th largest U.S. business
insurer*
• 4th largest U.S. workers’
compensation insurer
INSURING INNOVATION
THAT IMPROVES
OUR WELL-BEING
Everything was falling into place …
Your research was coming along great. That is, until one of the refrigeration units
housing the cell cultures you’d been working on for months failed. It happened
late on a Friday night, so nobody noticed until the following Monday. By then,
all your hard work was gone. Your new product will likely not make it to market
as you had planned. How will your company survive this catastrophe? Will your
insurance policy cover this?
Clinical trials can be trying …
Your company is well into the second phase of clinical trials for a promising
experimental drug when a test subject suffers internal bleeding, requiring
emergency hospitalization and several weeks of intensive care. You soon discover
that your general liability insurance does not cover patients who require medical
treatment as a result of their participation in your clinical trials. How could this
happen? Isn’t that what insurance is for?
CLOSING THE COVERAGE GAP
As you can see from the these
two scenarios, coverage gaps
can occur – and be costly. That’s
why life science companies need
a total insurance solution that
includes broad property and
general liability coverage, plus
extensive products liability
coverage to cover clinical trials,
medical expenses, and more.
Not all insurance companies
include this vital protection in
one package.
* As of December 2009, A.M. Best

3. Products that Grow with
Your Business
If your business grows rapidly, as many life science
businesses do, so does your risk. To help keep pace
with your business’s growth, our products are flexible
enough to offer protection during all the stages of
a company’s life cycle – from a startup or a sole
proprietorship to a large, publicly traded company.
Maybe that’s why thousands of technology and life
science businesses have chosen The Hartford to
provide a comprehensive product portfolio to meet
their evolving insurance needs.
The Hartford offers some of the broadest insurance
coverage available today, with specialized protection
for businesses of all sizes.
Small Businesses
(Protection for businesses with less than $15,000,000 in total
sales or $20,000,000 in total insured property values)
• Business Owners Coverage
The Hartford is a leader in small business insurance,
providing a broad line up of products and services.
Our Spectrum® coverage is one of the broadest and
most flexible business owner policies available. It
encompasses a wide range of insurance enhance-
ments, including:
—Building and Business Personal Property insur-
ance to repair or replace your building and any
equipment, stock, furniture or fixtures you own
—Business Income and Extra Expense coverage to
replace lost income and provide for additional
expenses in the event of a covered loss
—Business Liability insurance for costs arising from
claims of injury or damage caused to others while
on your premises
—Optional coverages, like our Super Stretch for Life
Sciences, can also be added. Highlights include:
Biological Hazardous Waste and Radioactive
Contamination Clean Up, Biological Research
Materials, Valuable Papers and Records, Business
Income Extension for Research and Development,
FDA Recertification Increased Period of Restoration
• Additional Coverage:
—Workers' Compensation
—Commercial Automobile
—Umbrella
—Management Liability
—International
Midsize Businesses
(Coverage for businesses with more than $15,000,000 in
total sales or $20,000,000 in total insured property values)
• Property Choice® for Life Science Bussinesses –
provides coverage that addresses common insur-
ance exposures as well as those that are unique
to your industry.
Property Coverages, including:
—Prototypes
—Research animals
—Transit
—Condemnation of undamaged stock
—Computer, data, media, valuable papers and
research records, including as a result of electronic
vandalism
—Accidental spoilage
—Additional coverage to replace damaged materials
with energy efficient materials or upgrade or main-
tain green building features after a covered loss
Business income coverages, if purchased, include:
—Lost grants, or expenses related to research and
development and milestones
—Dependent properties
—FDA recertification extended period of restoration
•• income loss, resulting from damages to research
animals, prototypes or valuable papers and
research records
•• operating expenses for non-income operations
—An additional limit for losses above your scheduled
policy limits for buildings and personal property
for specific coverages provided by the policy
• General Liability Choice® – includes coverage for:
—Libel, slander, defamation and product disparage-
ment, including offenses that occur from your
Web site, bulletin boards and chat rooms
—Broad named insured, including contractual liability
—Optional manufacturers’ errors & omissions and
product recall expense coverage for medical
device manufacturers
• Additional Coverage:
—Workers' Compensation
—Commercial Automobile
—Umbrella
—Management Liability
—International
Products and Clinical Trials Liability
The Hartford, in alliance with Medmarc, provides
comprehensive products and clinical trials liability
coverage throughout a product’s lifecycle – whether
in clinical trials or being sold worldwide. It covers:
• Medical devices, in vitro diagnostics, biotech-
nologies and pharmaceuticals
Firms engaged in human clinical trials are not eligible
for the Spectrum coverage form; please refer to the
coverages highlighted for midsize businesses.

4. 107135 3rd Rev. Printed in U.S.A. © September 2010 The Hartford Financial Services Group, Inc., Hartford, CT 06155 All Rights Reserved
This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability
for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms
and conditions of the policy prevail. All Hartford coverages described in this document may be offered by one or more of the property casualty insurance company
subsidiaries of The Hartford Financial Services Group, Inc. Possession of these materials by a licensed insurance producer does not mean that such a producer is an
authorized agent of The Hartford. To ascertain whether a producer is a Hartford agent, please contact your state’s Department of Insurance or The Hartford at
1-888-203-3823. All information and representations herein are as of September 2010.
Contact Your Hartford
Agent Today!
We look forward to the opportunity to serve your
business insurance needs.
With The Hartford Behind You, Achieve What’s Ahead of You.
www.thehartford.com
COMBINED EXPERTISE SUPERIOR PROTECTION
• Bodily injury and adverse reaction to known or
foreseeable side effects
• Medical treatment for test subjects who require
care as a result of their participation in clinical trials,
such as first aid, ambulance, medical, nursing and
hospital services, regardless of fault
Services to Help
Lower Your Losses
When your business is insured by The Hartford,
you can benefit from a variety of services that are
designed to help you control your loss costs. We can
help you:
• Improve workplace safety – The Hartford under-
stands the unique risks that your business faces.
We employ loss control specialists that are specially
trained to help businesses improve workplace safety
and lower losses.
• Get injured workers back on the job faster – If
one of your employees becomes injured on the job,
you’ll want to minimize lost productivity and get
that employee back to work quickly. The Hartford
can help through our Team•Work return-to-work
approach, which focuses on the injured employee’s
abilities and on finding alternative work for them
to do.
• Negotiate claim outcomes – In your highly competi-
tive industry, reputation can make or break your
business. That’s why The Hartford employs knowl-
edgeable claims handlers, many of whom are also
experienced attorneys, to manage complex general
liability and professional liability claims.
• Manage complex claims and track losses –
For large businesses with significant premium
or complex claim histories, The Hartford offers:
—A specialized ClaimPlus® team to manage
complex claims
—Our @venture® risk management information
system to help track loss trends and patterns
so you can direct your efforts where they are
most needed
Trust The Hartford to
Insure Your Innovation
The Hartford is a financially strong and stable insurer
with experience in providing the insurance protection
that life science companies need. Why not join the
82,000+ technology and life science companies that
have already chosen The Hartford to insure their
business?
At The Hartford, we’re insuring
innovation.