MedTech Insurance.

Innovating in healthcare comes with complex challenges. We make insurance simple, so you can build, scale and deliver breakthrough medical technologies with confidence.

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Trusted by high-growth MedTechs

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Helping MedTechs Innovate With Confidence

MedTech businesses operate at the intersection of healthcare, technology and regulation, where innovation brings heightened scrutiny and complex risk. For scaling companies, the right insurance is key to meeting regulatory obligations, protecting IP and building trust with investors and partners.

As products move from development to clinical use and commercialisation, risk evolves, from patient safety and product performance to cyber and operational exposure. Specialist support helps ensure cover keeps pace with both regulation and growth.

Sectors we support

We work with MedTech businesses from first funding to market launch and beyond. Specialising in the unique risks of a highly regulated industry, our team of experts are on hand to support.

Digital Health

Businesses using digital tools, software or data to improve healthcare delivery, patient outcomes or system efficiency.

Life Sciences

Companies focused on scientific innovation relating to health, biology and medicine, often spanning research, development and commercialisation.

FemTech

Businesses developing products and services designed to support women’s health and wellbeing across all life stages.

HealthTech

Companies using technology to enhance healthcare services, from diagnostics and treatment to patient management and care delivery.

Online Pharmacy

Digital platforms that enable patients to access prescription or over‑the‑counter medicines remotely, often alongside clinical services.

BioTech

Companies applying biological science to develop new medicines, therapies, diagnostics or medical technologies.

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Telemedicine

Digital platforms delivering clinical care remotely, enabling consultations, diagnosis and treatment without the need for in-person visits.

Built for the Risks Behind MedTech Breakthroughs

MedTech businesses operate in a highly regulated, high‑impact environment where exposure often spans patient safety, product performance, data security and personal liability for leadership teams. We specialise in this space, delivering the core insurance solutions MedTech companies commonly rely on, including Medical Malpractice & Bodily Injury, Product & Public Liability, Cyber, Directors’ & Officers’. Structured for scaling businesses operating under regulatory scrutiny, our cover is designed to support confidence and resilience as products progress from development through to clinical and commercial use.

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Meet our MedTech experts

Dan de Gruchy

Head of MedTech

As Head of MedTech, Daniel works with ambitious healthcare innovators to secure tailored insurance solutions that support growth, protect patients, and enable safe product deployment.

Michael Jenkins

Broking Head of MedTech

Michael leads Capsule's MedTech broking team, bringing over 10 years of experience spanning broking, underwriting and claims. Hes guided businesses on their journey from startup through IPO and beyond. With expertise in handling complex risks and non-conventional insurance placements, he thrives on diving into technical insurance discussions.

Paula Powell

MedTech Lead

With a decade in insurance, Paula supports Health & Life Science clients as the industry evolves. Passionate about Digital Health and FemTech, she helps innovative companies navigate complex insurance needs while protecting their breakthroughs.

Pippa Manley

MedTech Broking Lead

With a background in mergers and acquisitions underwriting for technology transactions, Pippa offers a unique perspective to MedTechs. Pippa collaborates with innovative companies to create tailored insurance solutions that help them navigate the evolving risk landscape.

More than just insurance...

Helping MedTech teams tap into the community, knowledge and support they need:

Events

Get first access to Capsule's MedTech focused events and networking

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Partners

A network of partners, who understand the scale-up journey

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Content

Guides, new resources and blogs on the stuff that matters when you're growing fast

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What is MedTech insurance?

MedTech insurance refers to specialist cover designed for businesses developing, manufacturing or deploying medical technologies. It addresses the unique risks associated with patient safety, clinical use, regulatory scrutiny and the real‑world performance of medical devices and software.

What types of insurance do MedTech companies typically have?

Common policies for MedTech businesses include Medical Malpractice & Bodily Injury, Product & Public Liability, Professional Indemnity, Directors’ & Officers’, Cyber and Intellectual Property protection. The relevance of each depends on factors such as product type, stage of development and route to market.

When do MedTech companies need medical malpractice cover?

Medical malpractice or bodily injury cover is typically relevant once a product interacts directly with patients or clinical professionals. This may arise during clinical trials, pilot deployments or commercial use, depending on the nature of the technology and its intended use.

Do MedTechs need insurance before regulatory approval?

Insurance requirements often arise before, during or after regulatory approval depending on the activity being undertaken. Clinical trials, partnerships, hospital pilots or commercial contracts may introduce insurance obligations even before full approval is granted.

Does MedTech software require different cover to hardware?

Software‑led MedTechs may face greater exposure around data, cyber risk and professional liability, while hardware or device‑based businesses often carry higher product liability and bodily injury risk. Insurance programmes are usually structured to reflect where risk sits across the technology stack.

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