Finance & Insurance for medical devices

Medical technology places its own demands on finance and insurance, and they arise from regulation. For devices requiring certification, years often pass between the start of development and first revenue — clinical evaluation, conformity assessment and waiting times at notified bodies cannot be shortened. Anyone trying to cover that with an ordinary investment loan underestimates the duration.

On the insurance side, product liability is central. A medical device can cause personal injury, and limitation periods are long; for implantable devices, documentation duties extend fifteen years. Recall costs, extended product liability and cover for the person responsible for regulatory compliance therefore belong in the picture — as does the question of whether the insurer knows the specifics of the MDR at all.

The providers listed here range from specialist brokers through lessors for production and metrology equipment to advisers on public funding and equity finance. For smaller manufacturers the combination often matters most: financing that bridges the approval phase, and cover that takes effect from first placing on the market.