Laboratory testing and research insurance
Our specialist laboratory testing and research insurance offers expert cover against a wide range of risks facing laboratory testers, contamination researchers and clinical testing professions.
Without the right insurance, your business could be left exposed following an unforeseen or unexpected event. An incorrect test result due to contamination, a client injuring themselves during a visit to your office or a fire at your laboratory could be financially devastating for your business. Our specialist insurance for laboratory testing can be tailored to cover your business against these risks and many more.
We can help you arrange comprehensive cover for your business in a matter of minutes. Our simple quote system asks about your business activities and offer you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Build a comprehensive laboratory testing insurance policy with these covers
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is essential for all laboratory testing and research professionals, and insurance is available with limits ranging from £50,000 to £5m.
Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If clients regularly visit your premises, you should consider this cover. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you have part time or full time employees, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We also offer a specialist homeworkers policy for home-based testers
Unlike many other insurers that offer the same policy for all customers, our homeworkers policy has been specially designed to cover the unique risks facing home based researchers. Working from home involves a whole host of risks that are not covered by standard home insurance policies, so to ensure your business is not left exposed to costly legal expenses and payouts following a claim, be sure to arrange specialist homeworkers insurance.
Our homeworkers insurance can be tailored to your individual preference. You can choose from a whole host of liability covers with a choice of limits suitable for businesses of all sizes. You also have the option of insuring business equipment from your home office.
Our specialist insurance for lab testers and researchers is available from just £5/month with 10 interest free instalments.