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Errors and Omissions (E&O) protects your laboratory by paying damages related to your oversights and mistakes while performing testing services.
General Liability insurance pays expenses associated with property damage or bodily injury to a third-party individual or company.
Commercial Property insurance pays to rebuild business property damaged by a covered event like fire or explosion. You can also add Business Interruption insurance to reimburse your expenses and lost income if you have to close temporarily.
Workers' Compensation pays medical expenses for employees who become injured or ill at work, also relinquishing their right to sue for negligence. Without Workers' Comp, employees can sue for medical expense and lost wage reimbursement. Most states require Workers' Compensation once you have three to five employees.
Inland Marine insurance is especially important if you travel for testing, as this policy protects your equipment and other materials in transit.
These laboratories provide different kinds of testing services. Examples include calibration and certification testing, electrical testing, environmental testing, fire insurance underwriter laboratories, food testing laboratories, forensic laboratories, geotechnical testing, hydrostatic testing, and industrial testing laboratories. This industry does not include medical and veterinary testing.
Testing laboratories offer a broad range of testing services including food, electrical, and environmental, calibration and more. No matter your unique testing service, insurance is one of your most important responsibilities. Make sure you buy the right insurance to protect your testing laboratory from severe risks faced daily.
This list is not complete. Many testing laboratories also risk auto accidents, employment claims, and others depending on what testing services you provide. Buying insurance is too important to skip. It is the only way to completely protect your business assets and reputation.
Insurance cost is different for every testing laboratory depending on your specific services and the carrier you choose. Carriers look at your experience, past claims and how risky your testing industry is to calculate costs. Request a free insurance quote today by completing the form below.
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