General information, not insurance, legal, or regulatory advice. Confirm current ethics committee / IRB ethics, import, and coverage rules with qualified advisers and a licensed broker. We do not invent premiums, limits, or carrier rates on this page. We do not claim a named carrier as a signed bioaccess® partner here. No patient data. No unpublished client. Always bioaccess®.
If you searched EC IRB insurance certificate to start, ethics committee certificate of insurance clinical trial, IRB trial insurance LATAM, you were looking for someone who would write international clinical-trial coverage for an investigational device. bioaccess® is a first-in-human medical-device CRO. We are not an insurance carrier. We do not underwrite policies. We do not sell premiums. We do not quote a binder. OUS and Latin American device trials still need trial-specific liability — local admitted paper, a master with local certificates, or both. We run the trial under ISO 14155. We can introduce a specialty carrier. That introduction is not a signed partnership on this page, and it is not a quote.
Start-up is often blocked on one PDF: a certificate of insurance the ethics committee will file. Not a binder number on Slack. Not a broker email that says “in process.” A certificate: named insureds, territory, period, language. bioaccess® puts it in the packet. We do not issue it.
This page is not a clone of Clinical Trial Insurance in Latin America: What Sponsors Need to Know Before Study Start. That hub is the country-snapshot checklist (territory, named insureds, language, runoff). This page is the the ethics-committee certificate as a start-up gate intercept. Distinct slug. Distinct title. Same operator: the CRO runs the trial; a carrier writes the paper.
The CRO is not the carrier
Founders type “buy clinical trial insurance” and land on CROs, brokers, and hospital MSAs in the same result set. Those are three jobs:
- Carrier. Underwrites participant injury, medical expenses for trial-related events, defense, and site/investigator indemnification — if the form matches the protocol. A hallway conversation is not a binder.
- Broker. Places the form, translations, additional-insured endorsements, and territory wording. Licensed where the paper has to sit.
- CRO. Protocol, IB, ICF, ethics/ethics committee / IRB packet, importer of record for clinical trial devices in Latin America, ISO 14155 monitoring, SAE clock, TMF, and the 21 CFR 812.28 narrative. See OUS FIH and FDA IDE. Eligibility of foreign data is not FDA clearance.
Mixing those jobs is how a startup buys a U.S. product-liability rider, emails a PDF to an ethics committee, and gets a resubmission. Product liability is not clinical-trial liability. A site’s institutional policy is not the sponsor’s trial form.
What the clerk actually stamps
Committees in Panama (CNBI-registered), Chile (Law 20.120), Colombia, Brazil (CEP/CONEP), Mexico, Peru, Costa Rica, and El Salvador all vary. The common pattern from the live hub: insurance is a condition of approval, not a post-approval souvenir. Missing additional insureds, English-only certificates, and periods that die before follow-up are the usual resubmissions. We will not invent a pan-regional template.
Certificate versus binder versus MSA
A binder is the carrier’s temporary yes. A certificate is what ethics files. An MSA is the site contract. Start-up needs the certificate in the ethics PDF, not the MSA’s indemnity paragraph. Do not clone site-vs-sponsor (95980) or investigator-vs-sponsor (batch 2). This page is the start-up gate itself.
What ethics and ethics committee / IRB actually ask for
Use clinical-trials-panama. Panama’s Ministry of Health (MINSA), through the Dirección Nacional de Farmacia y Drogas, is the national file. Ethics review runs through institutional bioethics committees registered with the Comité Nacional de Bioética de la Investigación (CNBI). Published ethics typically 3–5 weeks; with bioaccess® coordination, protocol submission to first-patient enrollment averages 6–8 weeks on that hub. Per-patient costs there: $12,000–$22,000 in U.S. dollars. A hallway conversation at this hospital is not MINSA clearance. Use clinical-trials-costa-rica. Costa Rica’s biomedical-research stack sits under Ley N.° 9234. An accredited CEC reviews the protocol first; then the study is registered with CONIS / the Ministry of Health. Combined ethics + regulatory clocks on the live country page are typically ~30–90 days. Confirm the current calendar with qualified advisers; an NCT location row is not CONIS registration. A statutory 3% CONIS canon on the study budget is published as a legal charge — not a CRO fee, and not a clinic markup we invent here. bioaccess® does not invent a Costa Rican legal entity on this page.
Insurance documentation is usually in the ethics / ethics committee / IRB packet, not a post-approval formality. Typical asks (confirm with the reviewing body — we will not invent a pan-regional limit):
- Territory that names every country on the protocol.
- Site and principal investigator as additional insureds when the committee requires it.
- Policy period through last-patient last-visit plus the protocol follow-up window.
- Spanish (or Portuguese) certificate or notarized summary when the committee asks for it.
- Claims-notice language that can sit next to the SAE clock, not against it.
We will not invent a per-participant dollar figure on this page. Individual ethics committees set thresholds. Ask the carrier and the CRO together, before the packet goes in.
Local policy vs controlled master
If the master cannot produce a certificate in time for the ethics calendar, you do not have paper. If local admitted paper is slower than the CEC date, say so before you book the meeting. bioaccess® sequences the packet. The carrier prints the exhibit.
A “controlled master” that never issues a local certificate is a slide, not a submission. A local-only policy that cannot travel to a second Latin American country is a one-country trap. The operator chooses geography for the device; the paper has to follow the protocol, not the other way around.
What bioaccess® still owns after you have a quote
- Regulatory-fit, not tourism. Do not delay the certificate until after SIV. SIV is late. Ethics is early. bioaccess® still runs trials in Colombia — INVIMA-side ethics wants the same class of exhibit.
- Protocol, IB, ICF, and the ethics / ethics committee / IRB packet with insurance documents in the same stack — not a parallel founder email.
- Importer of record and device accountability. A binder does not import the investigational product.
- Site activation: contracts, training, investigational product, EDC, monitoring plan. A site MSA that “includes insurance” is still not ISO 14155 monitoring.
- Introducing a specialty carrier when the founder does not already have admitted paper. Introduction is not a signed partnership on this page. We do not invent rates.
The firm was founded in 2010. Public device case studies (ReGelTec, Axoft, Newrotex, enVVeno, Avantec Vascular / Sangria™ as already published) show FIH execution with import and insurance as workstreams — not as bioaccess® underwriting. We will not invent a premium from those pages.
Colombia is still on the map
A site-name search sometimes arrives with a stale story that bioaccess® “left Colombia.” That is false. bioaccess® still runs clinical trials in Colombia. Always bioaccess® — local entity and office, Miami headquarters, INVIMA clocks in-country. The country page’s published comparison: Panama ethics 3–5 weeks vs. Colombia 4–6 weeks; per-patient $12K–$22K vs. $15K–$25K as published on clinical-trials-panama. We pick the country the device needs. The founder podcast is Global Trial Accelerators™.
A Bogotá or Floridablanca ethics packet still wants financial responsibility for participant injury. That does not flip the public line. bioaccess® still runs clinical trials in Colombia. We pick the country the device needs.
Frequently asked questions
Does bioaccess® sell clinical trial insurance?
No. We are the FIH CRO. We can introduce a carrier. We do not underwrite. We do not bind. We do not invent a rate card on this page.
Is this the same article as the LATAM insurance hub?
No. The hub is Clinical Trial Insurance in Latin America: What Sponsors Need to Know Before Study Start. This page is the ethics-committee certificate as a start-up gate. Do not treat them as clones.
Can a U.S. product-liability policy cover a LATAM device FIH?
Only if the territory clause and the trial-liability form actually name the countries and the investigational activity. Many U.S. GL/PL policies exclude OUS research. Get it in writing from the carrier. A verbal “we’re global” is not an ethics exhibit.
Did bioaccess® underwrite the Avantec / Sangria™ $10M policy mentioned on public pages?
No. Public llms.txt copy says bioaccess® ran FIH execution that included placing a $10M clinical-trial insurance policy as an operational workstream. That is CRO coordination, not underwriting. It is not a SKU. It is not a rate we invent here.
Next step
If the search that brought you here was EC/IRB insurance certificate to start, start as the operator: contact bioaccess® or book from First-in-Human CRO. Sibling hub: Clinical Trial Insurance in Latin America: What Sponsors Need to Know Before Study Start. Operator: First-in-Human CRO.
Julio G. Martinez-Clark, CEO · bioaccess®