Products

Download LifeScienceRisk US Overview
Download LifeScienceRisk Application

Primary and Excess Liability

(USA)

Our specialized and comprehensive coverage solutions are accessible through a channel of appointed retail and wholesale brokers dedicated to the life science industry. We provide customized policies to meet individual client needs.
LINES OF BUSINESS:
  • Product & Completed Operations Liability
  • Errors & Omissions Liability
  • Public, Premises and Commercial General Liability
  • Follow Form Excess Liability
HIGHLIGHTS:
  • Capacity Up to $25M Limits Available
  • Sublimit Up to $250k Available for Product Withdrawal Expense

To learn more about accessing unique product offerings, contact:
 
USA LOCATED RISKS:
Catherine Gill, CEO
Email: catherine.gill@lsrisk.com

Primary and Excess Liability

(International)

Our specialized and comprehensive coverage solutions are accessible through a channel of appointed retail and wholesale brokers dedicated to the life science industry. We provide customized policies to meet individual client needs.
LINES OF BUSINESS:
  • Product & Completed Operations Liability
  • Errors & Omissions Liability
  • Public, Premises and Commercial General Liability
  • Follow Form Excess Liability
HIGHLIGHTS:
  • Capacity Up to $20M Limits Available
  • Sublimit Up to $250k Available for Product Withdrawal Expense

To learn more about accessing unique product offerings, contact:


EEA AND NON-USA LOCATED RISKS:
Tom Daniels, Managing Director
Email: tom.daniels@lsrisk.com

Download LifeScienceRisk International Overview
Download LifeScienceRisk Application
Download Prop 65 Marketing Sheet
Download Prop 65 Application

Proposition 65

LifeScienceRisk has developed a first-of-its-kind Proposition 65 Insurance Coverage for the Dietary and Herbal Products Industry.
COVERAGE HIGHLIGHTS
  • Limits: $500,000 or $1,000,000
  • Deductibles: $5,000, $10,000, $25,000
  • Claims Made Coverage for Civil Penalties and Defense Costs
  • Rating Basis: California Revenue
  • Specified Chemical Element Coverage for:
    • Lead
    • Cadmium
    • Arsenic
    • Mercury
    • Chromium
    • Dioxins and / or PCBs in Fish Oils
    • Pulegone
    • β-Myrcene
    • Goldenseal Root Powder
    • Aloe Vera Non-Decolorized Whole Leaf Extract
    • Naphthalene

To learn more about accessing unique product offerings, contact:
 
USA LOCATED RISKS:
Catherine Gill, CEO
Email: catherine.gill@lsrisk.com

About Us
Meet the Team
Product and Professional Liability (USA)
Product and Professional Liability (International)
Proposition 65
Contact Us
For general inquiries, please contact:
catherine.gill@lsrisk.com
Social Media
LifeScienceRisk’s operations are conducted through several legal entities, the choice of which depends on where the entities are authorized to operate. In the US, LifeScienceRisk is a series of RSG Underwriting Managers, LLC, a Delaware limited liability company based in Illinois (RSG Underwriting Managers US). In the UK, LifeScience International is a tradename of RSG Underwriting Managers Europe Limited (RSG Underwriting Managers UK), authorized and regulated by the Financial Conduct Authority (FRN 733324). Registered office: 30 St. Mary Axe, 13th Floor, London, EC3A 8BF, United Kingdom. Company number 07164987. In the EEA, RSG LifeScience EEA is a tradename of Ryan Specialty Group Sweden AB (RSG Sweden), authorized by the Swedish Financial Services Authority. Org nr 556741-6572. Registered office: Ingmar Bergmans gata 2, 114 34 Stockholm, Sweden. RSG Underwriting Managers US, RSG Underwriting Managers UK and RSG Sweden are subsidiaries of Ryan Specialty Group, LLC (RSG). LifeScienceRisk works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public outside of the EEA. Some products may only be available in certain jurisdictions, and some products may only be available in the US from surplus lines insurers. In California: RSG Insurance Services, LLC (License #0E50879). ©2025 Ryan Specialty Group, LLC
LEGAL
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PRIVACY
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EUROPEAN OPERATING MODEL
+44 (0) 7703 831 892
georgie.houston@lsrisk.com

Georgie Houston

Assistant Underwriter

Georgie Houston is an assistant underwriter at LifeScienceRisk International, based in London. She joined the team at the beginning of 2025 with four years of experience in various lines of insurance business within the Lloyds and London market. Georgie supports the international team in providing primary and excess liability insurance solutions.

Georgie graduated from King’s College London with a master’s in biochemistry in 2020 and has recently completed her Chartered Insurance Institute Diploma in Insurance.
+44 (0) 7400 444 271
tom.daniels@lsrisk.com

Tom Daniels

Managing Director

London-based underwriter Tom Daniels is Managing Director at LifeScienceRisk International and joined LifeScienceRisk in September 2023. Tom leads the team which provides primary and excess liability insurance solutions for non-US domiciled participants in the sector, from start-ups to major global innovators.

Tom Daniels has eighteen years of international insurance experience, the last nine of which he spent growing and managing a portfolio of life science risks at HDI Global in London. In that time, he established himself as one of the leading underwriters in the sector, providing insurance solutions for manufacturers and distributors of pharmaceuticals and medical devices along with consumer healthcare companies and their clinical trial activities.

Tom also has five years of experience broking with Marsh and two further years managing international programs with ACE Insurance Company.
+1 630 290 1363
michael.baffa@lsrisk.com

Michael Baffa

Underwriting Coordinator

Michael Baffa joined LifeScienceRisk in May of 2024. As an underwriting coordinator, Michael's focus is on the dietary supplement and natural topical space, some of LifeScienceRisk’s core competencies. Michael was licensed as a property and casualty producer within a month of joining the team and his expertise has continued to grow.

Michael graduated Magna Cum Laude from the University of Dayton in May of 2024, majoring in finance and economics, and started his career with LifeScienceRisk later that month. Before joining the team, he held an internship at Ryan Specialty in the summer prior to his senior year.

Michael has obtained his ARM designation and is currently enrolled in courses through the Insurance Institutes working his way up to a CPCU designation.
+1 312 533 0792
charlie.mann@lsrisk.com

Charlie Mann

Underwriter

Charlie Mann joined LifeScienceRisk in June 2020. As Underwriter, Charlie focuses on the nutritional and dietary supplement business. He supports the LifeScienceRisk team and develops relationships with producers, expanding his range of industry skills and knowledge.

Charlie began his career with Ryan Specialty in May 2019 as Underwriting Technical Assistant, supporting a collection of business groups which included the LifeScienceRisk team.

A 2019 graduate of Indiana University with a BA in economics and political science, Charlie has obtained his IL insurance license and is currently working on his CPCU designation.
+1 312 341 1873
vivian.limosnero@lsrisk.com

Vivian Limosnero

Senior Underwriter

Vivian joined LifeScienceRisk in July 2012 and is responsible for management of key producer relationships and underwriting a profitable book of life science product liability business for the facility.

Throughout her 24 years in the business, Vivian has enjoyed a diverse career spanning various underwriting positions in specialty professional liability and medical product liability. Prior to joining LifeScienceRisk, Vivian spent 10 years with CNA Insurance Company as an underwriter specializing in meeting the liability insurance needs of life science companies. Vivian has worked with a broad cross section of the life science industry with a specialized focus on firms producing generic pharmaceuticals and drug delivery technologies.

Vivian graduated from DePaul University with a BS in business administration and holds a CLCS certification.
+1 707 578 5050
sara.forum@lsrisk.com

Sara Forum

Vice President

Sara Hua Forum serves as Vice President and Senior Underwriter at LifeScienceRisk. She has over 12 years of underwriting experience focused on the life science and technology industries. Prior to starting at LifeScienceRisk, Sara began her life science career at Ironshore in 2009 as an underwriting technical assistant and worked her way up to senior underwriter and eventually was promoted to product manager for Ironshore’s life science team. In 2019, Sara joined TDC Specialty Underwriters, where she also focused on the life sciences segment as Vice President / Senior Underwriter and worked with brokers nationally to develop and maintain a profitable book of business.

Sara graduated from Mount Holyoke College, South Hadley, MA, with a Bachelor of Arts in international relations. She earned her CPCU designation in December 2015 and her AINS designation in December 2011.
+1 609 802 8975
eric.rush@lsrisk.com

Eric Rush

Senior Vice President

Eric Rush serves as Senior Vice President and Senior Underwriter at LifeScienceRisk. He brings over 25 years of experience in the commercial P&C insurance industry. Since May of 2006, Eric’s area of expertise has been focused on the life science and technology industries.

Over the span of Eric’s career, he has worked across a vast array of product lines, including property and casualty, workers’ compensation, product liability, clinical trials and professional liability, as well as international coverages. Prior to joining LifeScienceRisk, Eric developed property and casualty capabilities within the life science vertical at Navigators Management Company, with responsibilities across the entire country. Before joining Navigators Management Company, Eric was an underwriting consultant at OneBeacon Technology Insurance. Eric started his insurance career at FHP / Great States Insurance Company, where he began as Assistant Underwriter before being promoted to Underwriter.

Eric holds a Bachelor of Science in actuarial science from Ball State University, Muncie, IN, where he also minored in foundations of business.
+1 609 802 8975
catherine.gill@lsrisk.com

Catherine Gill

Chief Executive Officer

Catherine Gill is CEO of LifeScienceRisk, a part of Ryan Specialty Underwriting Managers. Catherine joined LifeScienceRisk in October of 2012 to help build the facility and grow the MGU to where it stands today. She started as Senior Underwriter before being promoted to Underwriting Director and then Chief Underwriting Officer, and now she leads the LifeScienceRisk team. Catherine has been recognized as a proven leader in the life science liability arena with a track record of delivering great value to carrier partners, brokers and clients.

Prior to joining LifeScienceRisk, Catherine was with CNA Insurance Company for seven years as a dedicated life science underwriter. During her tenure, she worked her way through the ranks from Underwriting Trainee in 2005 to Underwriting Consultant when she left in 2012.

Catherine has worked with a broad cross section of the industry from start-ups to Fortune 500 firms, including pharmaceutical, biopharmaceutical, device and nutritional supplement companies. Catherine holds a Bachelor of Arts from New York University.