Research subjects both healthy and sick are clearly giving something to society by making sure that drugs and devices are safe before going into open circulation. They may have consented to being tested on and absolved investigators of blame for injuries but generally society agrees that in the event that an injury occurs the research subject should get compensation for injury. Alex Forrest of Chubb Insurance discusses why sponsor needs to be aware of the potential different coverage options, be it a negligence only based policy or something containing some no-fault compensation provisions and be ready to select the correct one according to their needs or one containing both.
https://www.jforcs.com/7/wp-content/uploads/2015/06/06.-Beware-the-Financial-Cost-of-Human….pdf