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Scientific Research Insurance

Protecting scientific researchers from less than £55* per year

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Excellent 4.7 out of 5

Professional Saver Public Liability Insurance for Scientific Researchers


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

As a scientific researcher, having adequate insurance is vital to protect you when carrying out studies, lab analysis, fieldwork and clinical trials. Our public liability cover shields you if injury or property damage occurs while undertaking research activities.

For example, you could face substantial pay-outs if a study volunteer suffers harm during an experiment you are responsible for.

Why Do Scientific Researchers Need Insurance?

As a scientific researcher, you may interact directly with members of the public if carrying out clinical trials, surveys and observational studies involving human participants. Accidents can easily occur, potentially leading to serious harm or injury claims if you lack adequate insurance.

Additionally, errors in your studies, flawed conclusions or breaches of ethical codes could jeopardise research integrity and mislead follow-on work by others, requiring substantial investments of time and money to correct. Our insurance covers any negligence claims and reputational damage costs.

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Why choose Professional Saver scientific research insurance ?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

How our scientific research insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What Is Scientific Research Insurance?

Scientific research insurance protects professionals who carry out investigative studies and experimental work to make new discoveries and advance human knowledge. This covers:

  • Developing hypotheses and designing controlled tests
  • Undertaking lab-based analysis and trials
  • Conducting fieldwork like environmental surveys
  • Publishing findings in academic papers or journals

However, risks arise from flawed experimental design, equipment failures causing injury, breaches of ethics codes or misinterpreted results leading to misleading conclusions. This could negatively impact research integrity.

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What Does Scientific Research Insurance Cover?

Our specialist scientific research policies can cover:

  • Public Liability – Injury or property damage to volunteers and visitors caused by experiments, lab equipment and onsite incidents. For example, if a chemical leak from a damaged test tube harms a research assistant.
  • Professional Indemnity (optional) – Claims for financial losses by organisations and individuals relying on your published research findings. For instance, if a company invests in developing a drug based on your study but the conclusions prove inaccurate.
  • Legal Expenses – Specialist legal advice and covers costs defending investigations or civil claims relating to studies. For example, if you have to defend against accusations of fraudulent or unethical research practices.
  • Equipment Insurance (optional) – Replaces specialised lab gear, measurement tools, computers and other equipment damaged, lost or stolen during studies.

We offer varying cover levels based on your specific needs. You can view all options as part of the online quotation process.

Cover For Research Assistants and Students

Our core scientific research policies can be extended to cover any unpaid assistants, interns and students helping you with lab analysis, field studies and publishing activities. This ensures complete protection for all personnel working under your lead.

Additional Research Insurance Options

Extra cover we offer includes:

  • Personal Accident – Provides compensation in the event that an accident leaves you unable to work.
  • Office Contents Insurance – Covers loss or damage to office equipment and assets used to perform administrative research tasks like data analysis and report writing.
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Why Choose Professional Saver For Your Scientific Research Business Insurance?

With over 35 years’ experience covering research entities, you can trust Professional Saver to fully protect your work. Our key advantages are:

  • Direct Specialists – We are a specialist commercial insurance provider, not a comparison website. Work directly with our knowledgeable team.
  • 24/7 Legal Helpline – Whenever you need expert legal advice on insurance matters, our dedicated helpline offers guidance.
  • Monthly Instalments – Spread costs by paying in monthly instalments (for policies over £125).

Get your quote today using our simple online form.

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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Scientific Research Insurance FAQs

Scientific researchers interact with the public during clinical trials and field studies. They also rely on experimental findings to advance knowledge. Without insurance, injury claims or damages from flawed studies could cripple researchers.

  • A clinical trial volunteer suffers a bad reaction to an experimental drug. Our liability cover handles their injury claim.
  • Flawed climate change research misguides governments on implementing unnecessary green policies. Our insurance helps cover their financial losses from policy changes.
  • Breaches of health data privacy requirements when testing medical records in a study. Our cover takes care of regulatory fines and lawsuit costs.

We cover liability risks from common activities like:

  • Lab-based research with chemicals, medicines, hazardous materials
  • Human subject clinical trials and medical testing
  • Fieldwork such as environmental surveys
  • Observational research like monitoring behaviours
  • Publishing findings in journals or policy papers

Yes – our scientific research policies can extend to cover any unpaid students, interns or helpers conducting experiments, trials, lab analysis and fieldwork under your direct supervision. They benefit from full public liability and professional indemnity cover.

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