5 February 2026
In UK life sciences, insurance policies are packed with specialist wording - but one clause is becoming increasingly critical and often overlooked: the Opioid Exclusion.
For drug development organisations, this isn’t a technicality. If your research involves opioid‑based compounds in any form, a standard exclusion could leave you unintentionally uninsured. And with global scrutiny around opioids rising, underwriters are tightening their stance.
The real issue? Many companies don’t realise their policies exclude activities that are fundamental to legitimate scientific work.
At Verlingue, we regularly meet innovative firms whose existing cover may not have responded as expected, simply because no one had taken the time to understand their processes - or explain how exclusions apply.
If your studies or future development plans involve opioids, has your broker discussed the implications with you?
If not, it may be appropriate to seek a specialist review.
Verlingue works closely with life science organisations to ensure their insurance reflects the reality of their research - not assumptions. We take the time to understand your science so your cover genuinely protects it.
If you’d like clarity on how the Opioid Exclusion affects your work, we’re here to help.
