HealthTech, Biotech & MedTech

HealthTech, BioTech, and MedTech: companies in these sectors operate at the frontier of scientific innovation, digital technology, and the medical environment. Whether you are a start-up, a company in the clinical development phase, or an established industrial player, your business often relies on technology- and capital-intensive projects. The development of new healthcare solutions—whether connected devices, artificial intelligence applied to medicine, innovative therapies, or digital health platforms—involves major challenges regarding regulatory compliance, clinical trials, and data protection. In this context, structuring a tailored HealthTech, BioTech, and MedTech insurance program is a key factor for protecting your company and building credibility with industrial partners, investors, and regulatory authorities.

Your specific risks

The innovative nature of the activities makes certain coverages difficult to obtain from general insurers, especially since you operate in an ecosystem facing rapid changes and significant regulatory requirements. You are exposed to multiple risks:

Risks associated with the design and marketing of defective products,

Risks related to medical advice and information,

Risks related to the unavailability or non-compliance of distributed software,

Risks associated with clinical trials and research protocols,

Cyber risks related to digital platforms and health data,

Risks related to the manager's faults causing harm to the company or a partner,

➜ Risks related to industrial partners, distributors, or subcontractors,

Intellectual property risks, in particular disputes relating to patents, licenses or exploitation rights,

Financial risks related to research and development projects.

Your business cannot be improvised. Neither can your protection. You operate in a demanding sector You deserve a technical partner who understands the stakes and builds protection to match.

Our hedging logic

Insuring your business requires a scalable approach that can adapt to your various stages of growth:

When structuring your guarantees, you should take into account your company's stage of development, your target markets, and your industry partners.

➜ Product liability and professional liability,

➜ Coverage related to clinical trials and research activities,

➜ Cyber insurance and health data protection,

Management liability,

Property and casualty insurance for equipment and infrastructure,

Legal protection and guarantees related to the defense of intellectual property rights,

➜ Coverage for business interruption.

The added value of Kraft Assurances

Kraft Assurances helps innovative companies in the healthcare sector design insurance programs tailored to rapidly evolving scientific and technological activities. This approach enables companies in the HealthTech, Biotech, and MedTech sectors to safeguard their growth while facilitating access to the insurance coverage necessary for their expansion. Our services specifically enable:

Analyze the risks associated with the technologies being developed and the business models

Design programs that are consistent with regulatory requirements and investor expectations

Engage specialized carriers in Europe and internationally

Negotiating insurance solutions tailored to innovative businesses

Your insurance broker for HealthTech, Biotech & MedTech, get support from an expert team

Our brokerage firm helps you ensure the security and sustainability of your disruptive innovations. Because the day-to-day operations of companies in the HealthTech, BioTech, and MedTech sectors require meticulous management of insurance programs—especially for your most sensitive projects, such as clinical trials and data cybersecurity—we negotiate customized solutions on your behalf: professional liability and product liability (Professional Liability / Post-Delivery Liability), directors’ and officers’ liability (D&O), and intellectual property coverage. Trust an expert, independent partner to engage specialized international risk carriers while you focus on what matters most: inventing the medicine of tomorrow.

Let's talk about your business

An initial, no-obligation discussion allows us to evaluate together what your current program actually covers and what would be useful to rework. If your sector is among our areas of expertise, we will have concrete things to tell you from the very first hour.