{"id":20079,"date":"2025-05-14T09:35:58","date_gmt":"2025-05-14T13:35:58","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/biotech-business-insurance-get-a-quick-quote\/"},"modified":"2026-09-02T12:41:41","modified_gmt":"2026-09-02T16:41:41","slug":"biotech-business-insurance-get-a-quick-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/biotech-business-insurance-get-a-quick-quote\/","title":{"rendered":"Biotechnology Business Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance entreprise de biotechnologie\", \"description\": \"Assurance biotechnologie au Qu\u00e9bec : R&D, essais cliniques, labo, propri\u00e9t\u00e9 intellectuelle, cyber. D\u00e8s 5 000 $\/an. 1-866-357-4451.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise-de-biotechnologie\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">BIOTECHNOLOGY<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Biotechnology-Life-Sciences-Business-Insurance\"><\/span>Biotechnology  Life Sciences Business Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Research and development, clinical trials, laboratory, diagnostics, gene therapy: the risks are high and multiple. Protect your biotech with <strong>specialized RD, IP, testing, and cyber coverage<\/strong>. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $5,000<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">$5M to $25M<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">RC\/PL Limits<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Health Canada<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Compliant<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Biotechnology companies in Quebec concentrate risks <strong>with a high financial impact<\/strong> : RD investments over 5-10 years, high-value laboratories, clinical trials involving human subjects, hazardous biological material, crucial intellectual property, regulatory requirements from Health Canada and FDA, and institutional investor expectations. A specialized biotech policy includes: Pharmaceutical Product Liability, Clinical Trial Liability, Professional EO, Cyber (IP Protection), Laboratory Property, DO Executives. Premiums start at $5,000\/year and can go up to $100,000+ for advanced biotechs.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-entreprise-biotechnologie.jpg\" alt=\"Biotechnology Laboratory \u2014 Assur360 Insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Biotechnology-Business-Insurance\"><\/span>Biotechnology Business Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Biotech firms provide <strong>highly specialized equipment (centrifuges, sequencers, bioreactors),<\/strong> CR for clinical trials, intellectual property and risks of biological contamination.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Specialized markets:<\/strong> Biotechs with clinical trials require Lloyd&#8217;s contracts for <em>clinical trials liability<\/em>. Typical limits $2-10 million depending on the trial phase (Phase 1 vs Phase 3). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-essential-protections-for-a-biotech\"><\/span>The 6 essential protections for a biotech<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Pharmaceutical RC<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Side effects, injuries caused by a marketed product. Limit $5 million to $25 million+. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Clinical trials<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Responsibility towards human subjects during phases I\/II\/III. Required by Health Canada and REB. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">EO RD and consulting<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Analysis errors, erroneous data, advice to pharma or biotech partners.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Laboratory Goods<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">High-value equipment, samples, cultures, freezers -80\u00b0C, cryogenics, critical equipment.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber and IP<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Protection of research data, patents in progress, industrial secrets, ransomware lab.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">DO Leaders<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Lawsuits of investors, shareholders, partners \u2014 essential in the context of fundraising.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">In biotech, the biggest exposure that is often <strong>underestimated<\/strong> is <strong>clinical trial liability<\/strong>. A subject who develops a serious adverse reaction may trigger a 7-8 digit lawsuit. Health Canada requires specific proof of insurance before a trial is approved. Ethics committees (REBs) are asking for minimum limits of $5 million for Phase I, $10 million+ for Phase II\/III. Plan these costs into your trial budget from the initial protocol.    <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does insurance cost for a biotech in Quebec?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Highly variable. Pre-clinical biotech (1-20 employees): <strong>$5,000 to $25,000\/year<\/strong>. Biotech in clinical trials: $30,000 to $100,000+\/year depending on phases and indications. Biotech marketed: $100,000 to $1 million+\/year in product liability. Plan for a dedicated budget line in your financing rounds.    <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Do clinical trials require specific insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, mandatory. <strong>Health Canada and REBs<\/strong> (Research Ethics Boards) require <strong>a clinical trial CR<\/strong> policy with phase-appropriate limits. Phase I: $5 million minimum. Phase II\/III: $10 million to $25 million. Mandatory retroactive coverage for late claims (deferred effects).   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Can our pre-income biotech take out insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes. Most biotechs insure themselves <strong>from the pre-clinical phase<\/strong>, before any income. Investors almost always require EO, general liability and DO from the Series A stage. The cost is amortized by the financing and demonstrates the maturity of the company.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Our laboratory contains high-value samples and equipment \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via <strong>laboratory property insurance<\/strong>. Covers: -80\u00b0C freezers (irreversible sample loss), bio-reactors, sequencers, PCR, microscopes. Essential clauses: &#8220;breakdown of refrigeration&#8221; and &#8220;contents in transit&#8221;. Inventory valued annually.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is intellectual property (patents, secrets) covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Partially. <strong>Cyber policies<\/strong> cover data theft (exfiltration), industrial espionage, unauthorized publication. <strong>Patent prosecution<\/strong> (infringement) requires a specialized &#8220;IP defense&#8221; policy ($30,000 to $100,000\/year). Critical for biotech with heavy IP.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Big pharma contracts require high insurance \u2014 how much?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Licensing or RD agreements with <strong>Canadian or American big pharma<\/strong> typically require $10 million to $25 million in RC and EO, plus a DO. Mutual indemnification clauses are complex \u2014 have a lawyer AND your broker analyze it BEFORE signing. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is bioinformatics telecommuting staff covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the standard <strong>&#8220;off-premises activities&#8221;<\/strong> addendum. Bioinformatics, data analysis and management operations can be done remotely without major changes to the policy, as long as laboratory <strong>operations remain on a declared site<\/strong>. <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Our biotech is going public \u2014 impact insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Major impact. A <strong>public DO (DO for a listed company)<\/strong> replaces the private DO, with limits of $10 million to $50 million and premiums 5 to 10 times higher. Securities laws increase the exposure of executives. Plan 6 months before IPOs with specialized insurers.   <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are internships and student-researchers covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if declared in your policy. <strong>University interns (HEC, UdeM, McGill, Poly)<\/strong> are often covered by their university during the internship. Ask for <strong>proof of cross-insurance<\/strong> and coordinate with your RC. Paid trainees become employees within the meaning of the police.   <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Biotechs-throughout-Quebec\"><\/span>Biotechs throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports companies throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. With a dense biotech ecosystem in Montreal (IT parks, McGill\/UdeM campus), oncology biotech in Laval, life sciences in Sherbrooke, research centres in Quebec City, spin-offs in Trois-Rivi\u00e8res: the brokers of our partner firms know the realities of Quebec biotechs in all phases. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">General Contractor Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-professionnelle\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Professional Liability Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Cyber Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/information-technology-insurance-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">IT  Technology Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.canada.ca\/fr\/sante-canada\/services\/medicaments-produits-sante\/medicaments\/demandes-presentations\/lignes-directrices\/essais-cliniques.html\" rel=\"nofollow noopener\" target=\"_blank\">Health Canada \u2014 Clinical Trials<\/a><\/li>\n<li><a href=\"https:\/\/www.bioquebec.com\/\" rel=\"nofollow noopener\" target=\"_blank\">BIOQu\u00e9bec<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">Insurance Chamber<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">The brokers of our AMF-certified partner firms compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance pour une biotech au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Tr\u00e8s variable. Biotech pr\u00e9-clinique (1-20 employ\u00e9s) : <strong>5 000 $ \u00e0 25 000 $\/an. Biotech en essais cliniques : 30 000 $ \u00e0 100 000 $+\/an selon phases et indications. Biotech commercialis\u00e9e : 100 000 $ \u00e0 1 M$+\/an en RC produits. Pr\u00e9voir ligne budg\u00e9taire d\u00e9di\u00e9e dans vos tours de financement.\"}}, {\"@type\": \"Question\", \"name\": \"Les essais cliniques exigent-ils une assurance sp\u00e9cifique ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, obligatoire. <\/strong><strong>Sant\u00e9 Canada et les CER (comit\u00e9s d'\u00e9thique de la recherche) exigent une police <\/strong><strong>RC essais cliniques avec limites adapt\u00e9es \u00e0 la phase. Phase I : 5 M$ minimum. Phase II\/III : 10 M$ \u00e0 25 M$. Couverture r\u00e9troactive obligatoire pour r\u00e9clamations tardives (effets diff\u00e9r\u00e9s).\"}}, {\"@type\": \"Question\", \"name\": \"Notre biotech pr\u00e9-revenus peut-elle s'assurer ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. La plupart des biotech s'assurent <\/strong><strong>d\u00e8s la phase pr\u00e9-clinique, avant tout revenu. Les investisseurs exigent presque toujours une E&O, une RC g\u00e9n\u00e9rale et une D&O d\u00e8s la s\u00e9rie A. Le co\u00fbt est amorti par le financement et d\u00e9montre la maturit\u00e9 de l'entreprise.\"}}, {\"@type\": \"Question\", \"name\": \"Notre laboratoire contient des \u00e9chantillons et \u00e9quipements \u00e0 haute valeur \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'<\/strong><strong>assurance biens laboratoire. Couvre : cong\u00e9lateurs -80\u00b0C (perte d'\u00e9chantillons irr\u00e9versible), bio-r\u00e9acteurs, s\u00e9quenceurs, PCR, microscopes. Clauses essentielles : \u00ab breakdown of refrigeration \u00bb et \u00ab contents in transit \u00bb. Inventaire valoris\u00e9 annuellement.\"}}, {\"@type\": \"Question\", \"name\": \"La propri\u00e9t\u00e9 intellectuelle (brevets, secrets) est-elle couverte ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Partiellement. Les <\/strong><strong>polices cyber couvrent le vol de donn\u00e9es (exfiltration), l'espionnage industriel, la publication non autoris\u00e9e. Les <\/strong><strong>poursuites de brevet (infringement) n\u00e9cessitent une police sp\u00e9cialis\u00e9e \u00ab IP defense \u00bb (30 000 $ \u00e0 100 000 $\/an). Critique pour biotech \u00e0 PI lourde.\"}}, {\"@type\": \"Question\", \"name\": \"Les contrats avec big pharma exigent des assurances \u00e9lev\u00e9es \u2014 combien ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les contrats de licence ou R&D avec les <\/strong><strong>big pharma canadiennes ou am\u00e9ricaines exigent typiquement 10 M$ \u00e0 25 M$ en RC et E&O, plus une D&O. Les clauses d'indemnisation mutuelle sont complexes \u2014 faites analyser par un avocat ET votre courtier AVANT signature.\"}}, {\"@type\": \"Question\", \"name\": \"Le personnel en t\u00e9l\u00e9travail bioinformatique est-il couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'avenant standard <\/strong><strong>\u00ab off-premises activities \u00bb. La bioinformatique, l'analyse de donn\u00e9es et les op\u00e9rations de gestion peuvent se faire \u00e0 distance sans modification majeure de la police, tant que les <\/strong><strong>op\u00e9rations laboratoire restent sur site d\u00e9clar\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Notre biotech sort en bourse \u2014 impact assurance ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Impact majeur. Une <\/strong><strong>D&O publique (D&O pour soci\u00e9t\u00e9 cot\u00e9e) remplace la D&O priv\u00e9e, avec limites 10 M$ \u00e0 50 M$ et primes 5 \u00e0 10 fois plus \u00e9lev\u00e9es. Les lois sur les valeurs mobili\u00e8res augmentent l'exposition des dirigeants. Planifiez 6 mois avant IPO avec assureurs sp\u00e9cialis\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Les stages et \u00e9tudiants-chercheurs sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si d\u00e9clar\u00e9s dans votre police. Les <\/strong><strong>stagiaires universitaires (HEC, UdeM, McGill, Poly) sont souvent couverts par leur universit\u00e9 pendant le stage. Exigez une <\/strong><strong>preuve d'assurance crois\u00e9e et assurez une coordination avec votre RC. Les stagiaires r\u00e9mun\u00e9r\u00e9s deviennent salari\u00e9s au sens de la police.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  --\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance entreprise de biotechnologie\", \"item\": \"https:\/\/www.assur360.ca\/assurance-entreprise-de-biotechnologie\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>BIOTECHNOLOGY Biotechnology Life Sciences Business Insurance Research and development, clinical trials, laboratory, diagnostics, gene therapy: the risks are high and multiple. Protect [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26931,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Biotech Insurance Quebec 2026 | R&D, laboratory, clinical trials","_seopress_titles_desc":"Biotechnology insurance in Quebec: R&D, clinical trials, lab, intellectual property, cyber. 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