Analytical testing labs

Tailored industry coverage

 

Why purchase tailored coverage?

At Hiscox, we understand the risks analytical testing labs face and have created a tailor-made solution specifically for them. 

Appetite
Capacity
Coverage & Benefits
Appetite

Industry specific form tailored for analytical testing services 

 

Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • Contingent Bodily Injury and Property Damage coverage included up to the full limit 
  • Personal and Advertising Injury as well as Third Party Discrimination included up to the full limit 
  • Contingent Pollution Liability sublimit included 
  • Crisis Management sublimit included 
  • 50/50 cooperation clause included 
  • Coverage included for subsidiaries, joint ventures, and independent contractors 
  • Expanded coverage available for site selection and recommendations made by you 
  • Duty to defend policy 

Related products

Package Pharmacy coverage with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Professional liability

Lubricant used on a printing press is determined to be the cause of a fire that caused damage to the press and interruption of the business of the newspaper using the press. The lab that tested the lubricant is found to be at fault and is liable for damages caused by the fire. 

Professional liability

Lubricant used on a printing press is determined to be the cause of a fire that caused damage to the press and interruption of the business of the newspaper using the press. The lab that tested the lubricant is found to be at fault and is liable for damages caused by the fire. 

General liability

A lab employee, while out to dinner at a local restaurant, discusses a client in a false and unflattering way. The conversation is overheard and relayed to the client, who then sues the testing laboratory for defamation. 

General liability

A lab employee, while out to dinner at a local restaurant, discusses a client in a false and unflattering way. The conversation is overheard and relayed to the client, who then sues the testing laboratory for defamation. 

Cyber

A laptop containing testing information for multiple clients is lost. Even though the information was never disseminated, the lab needs to notify the affected clients. 

Cyber

A laptop containing testing information for multiple clients is lost. Even though the information was never disseminated, the lab needs to notify the affected clients. 

Crime

The lab’s accounting manager is discovered forging and altering checks and depositing them into an account for her own personal benefit. 

Crime

The lab’s accounting manager is discovered forging and altering checks and depositing them into an account for her own personal benefit.