Insurance for Testing Laboratories

Get business insurance with optimized coverage to meet your exact needs

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Better, Regardless of Your Size

  • Get an insurance without leaving the lab

  • No tests required. Insurance that will get you protected right away

  • No experiments needed. Cost-effective insurance with better coverage

  • Top-tier professional service that Testing Laboratories can rely on

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Protect your business against service errors


General Liability (GL) + Professional Liability (PL)

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All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors

PRO

Protect your business property and equipment


GL + PL + Commercial Property

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All Standard plan benefits and:

  • Natural disasters
  • Equipment breakdown
  • Revenue loss
  • Construction costs

CUSTOM

When you have specific requirements


Including Commercial Auto, Workers Compensation, etc.

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Frequently Asked Questions

Why do Testing Laboratories need insurance?

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.

What risks do Testing Laboratories face daily?

  • Testing Mistakes: You thoroughly test customer products and services. An important testing step can be missed. If you fail to catch a quality issue or made the wrong recommendation, you can be financially responsible for an adverse outcome.
  • Hazardous Waste Spills: Laboratories can test hazardous materials like chemicals or pollutants that require special handling. If they spill, you face government fines, proper cleanup and repairing any damages.
  • Employee Injury or sickness: Employees carry out daily testing of food, chemicals, and other products. If they have an allergic reaction or injure themselves, you are responsible for medical expenses and lost income.
  • Explosions: If you handle explosive materials in your testing laboratory, there is a risk of explosion and fire that can destroy your property.
  • Damage to Others' Property: Today, many testing laboratories provide onsite testing. If your employees or testing cause damage to customer property, replacing or repairing is expensive.

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.

How much does insurance for Testing Laboratories cost?

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.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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