Product Liability Protection

As the unquestioned leader in pharmaceutical product liability insurance, A. J. Renner & Associates has provided coverage to the generic pharmaceutical industry with our signature RenneRx InsureTM program for over 20 years.

At A. J. Renner & Associates, we face complex, hard-to-place risks every day, and enjoy working in partnership with our clients to develop winning solutions with superior coverage and competitive pricing.


  • Up to $25 million in primary and excess exclusive capacity
  • Additional excess capacity up to $150 million

Company Types

  • Manufacturers
  • Distributors
  • Packagers
  • Contract manufacturers
  • Virtual manufacturers
  • Products in bio studies and clinical trials

Policy Form Highlights

  • Mature retroactive dates available
  • True worldwide coverage territory
  • Aggregated self insured retentions – includes defense costs
  • Coverage triggered by “Claims Made” vs. “Claims

Made and Reported

  • 5 year SERP / 6 year at 200% / unlimited at 250%
  • Blanket broad form – vendors included
  • Blanket contractual – insured contracts
  • Broad definition of insured
  • 60 day notice of cancellation / non-renewal
  • Blanket clinical trials / bio studies
  • Employed professionals endorsement

Value-Added Services

  • Dedicated TPA claims management
  • Defense counsel network
  • Product consulting
  • Litigation history search
  • Liaison for potential strategic alliances
  • Due diligence assistance for mergers / acquisitions
  • Global market representation


Insurance Solutions for the Pharmaceutical and Biopharmaceutical Industries

Our exclusive signature program has been providing primary product liability coverage since 1990. Underwritten by the Chubb Group of Insurance Companies, the program provides up to $15,000,000 in limits on a broad policy form. In addition we have another $10,000,000 exclusive excess capacity through Ironshore on a following form.

Where the majority of revenues are generated from generic pharmaceutical products, our program can entertain:

  • Manufacturers
  • Distributors
  • Packagers
  • Contract Manufacturers
  • Virtual Manufacturers

Our client base is quite varied, ranging from small start up companies to firms with revenues in the billions.

Pharmaceutical Program

The Pharmaceutical team has over 70 years of experience in this difficult class of business, and we are supported by:

  • A specialty third party claims administrator active since the inception of the program.
  • A national network of defense counsel uniquely qualified in the pharmaceutical industry
  • A dedicated team of underwriters and claims professionals

Policy Form Highlights

  • Members of the Chubb Group of Insurance Companies receive consistently high ratings for financial strength from A.M. Best, Moody’s and Standard & Poor’s, the leading independent analysts for the insurance industry.
  • Mature Retroactive Dates Available
  • True Worldwide Coverage Territory
  • Aggregated Self Insured Retentions – Includes Defense Costs
  • Coverage triggered by “Claims Made against any Insured during the policy period or any ERP” as compared with “Claims Made and reported”
  • Basic SERP for 5 years at no charge
  • Standard SERP for 6 years at 200%
  • Unlimited SERP option at 250%
  • Blanket Broad Form Vendors Included
  • Blanket Contractual – Insured Contracts
  • Broad Definition of Insured
  • 60 Day Notice of Cancellation / Non-Renewal
  • Blanket Clinical Trials / Bio Studies
  • Employed Professionals Endorsement

(actual coverage is subject to the language of the policies as issued)

Premium / Rate Development

  • Premium based on “Net Sales”
  • Rates available on a composite basis or by product category
  • Blanket Clinical Trials included at no additional premium
  • Rate credits may be available for foreign exposures, distribution exposures and contract manufacturers
  • Blanket Products Including Worldwide Clinical Trials

Renner’s Value Added Services

  • Dedicated TPA Claims Management
  • Defense Counsel Network
  • Product Consulting
  • Litigation History Search
  • Regulatory Activity – specific compound or therapeutic class
  • Active participation in trade association
  • Liaison for potential strategic alliances with others
  • Due diligence assistance for mergers / acquisitions
  • Global market representation
  • Experienced and focused claims advocacy
  • Regular update on markets and claims activity

Excess Product Liability

To further support our commitment to our customers, we have exclusive arrangements with top rated excess carriers who provide excess limits as required by each insured. Up to $10,000,000 in limits excess of primary are exclusive with Ironshore, and up to $150,000,000 are available on a preferred market basis, on a following form.

When you have an opportunity in the Pharmaceutical arena, let us provide the depth of knowledge, breadth of experience and exclusive program capabilities to ensure success! A member of the life sciences team is always available for prospect / client meetings or conference calls.

Whether you need comprehensive coverage or customized solutions, we’re here to help you find the right fit for you.

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