A wrong result is a professional liability claim, not a property one.
We cover research, clinical and diagnostic labs: errors in results, the equipment and samples that make the work possible, and the biological and chemical exposures on site.
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Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What laboratory businesses actually need.
Professional liability
A wrong, delayed or misreported result, and the clinical decision made on it.
Without it — The core exposure of a diagnostic lab, and not covered by general liability.
Equipment breakdown and samples
Analysers, freezers and controlled environments, and what is stored inside them.
Without it — A freezer failure destroys material that cannot be repurchased.
Pollution and biological exposure
Release of chemical or biological material, and the clean-up that follows.
Without it — Property and liability policies both exclude pollution.
Cyber and patient data
Breach of results and identifiable health information.
Without it — A clinical lab holds exactly the data that makes a breach expensive.
Business income
Revenue while the lab cannot process, plus the cost of sending work elsewhere.
Without it — Accreditation and validation make a temporary site slow to stand up.
Group health and benefits
Technicians whose hands-on method IS the result.
Without it — Lab work is reproducible only if the people are consistent. Turnover shows up as variance before it shows up as cost.
What our laboratory clients ask us.
Is a wrong result a liability claim?
It is a professional liability claim, which is the distinction that catches labs out. General liability answers bodily injury and property damage from your premises and operations, such as someone slipping in reception. A false negative that delayed a diagnosis is a failure of professional service causing harm, and it needs professional liability. Labs that carry only a general liability policy and a property policy are uninsured for the thing they are most likely to be sued over.
What is the sample exposure?
The value of stored material against the near-zero value a property policy assigns it. Specimens, cell lines, reference material and study samples frequently cannot be replaced at any price, and a standard form values them as ordinary contents or excludes them. It needs specific wording, a limit set deliberately, and, because insurers price the control not the value, monitoring that alerts a person out of hours.
Does accreditation change the price?
It changes the market more than the price. CLIA, CAP or ISO 17025 accreditation and a documented quality system tell an underwriter the errors have a system catching them, which is the whole professional liability question. Labs without it can still be placed, but with fewer insurers and more questions about proficiency testing, result verification and how a discrepant result is handled.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.