{"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":"2026-05-07T16:16:14","modified_gmt":"2026-05-07T20:16:14","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>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 return. Investors almost always demand EO, General RC, and DO as early as Series A. The cost is amortised 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 businesses 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: our brokers 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;\">ChAD<\/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;\">Our AMF-certified brokers 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_robots_primary_cat":"","_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. Starting at $5,000\/year.  1-866-357-4451.","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-20079","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/20079","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=20079"}],"version-history":[{"count":31,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/20079\/revisions"}],"predecessor-version":[{"id":57841,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/20079\/revisions\/57841"}],"up":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15787"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/26931"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=20079"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}