Promoting the high-quality development of the transformation of medical scientific research results has become an important content and development direction in China’s medical science and technology system reform. Various risks involved in medical scientific research need to be fully recognized and prevented， and strengthening science and technology insurance services is one of the important ways. Commercial insurance in the field of translational medicine in China is in a rapid development stage， and the main insurance products include drug research and development insurance， clinical trial liability insurance， genetic testing insurance， and other insurances. While commercial insurance intervenes in the innovation of medical science and technology， ethical and liability issues often raise concerns and controversies. Combined with the current practices of handling ethical issues related to commercial insurance for translational medicine in China， this paper reviewed the current development status of commercial insurance related to translational medicine from the perspective of the insurance industry， discussed the relevant ethical issues， and proposed coping strategies.