Blood & Plasma Donation Center Insurance Coverage Checklist
The coverages a blood & plasma donation center business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for source plasma and community blood donation centers. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Medical Professional Liability (Donor Injury) | Covers screening and needle-stick injuries a GL policy may exclude as professional services. | Core | |
| General Liability | Covers lobby and parking-lot falls and visitor injuries. | Core | |
| Products / Completed Operations | Blood shield laws don't stop negligence claims over plasma and blood products. | Core | |
| Cyber / Privacy (BIPA Covered) | Biometric donor-ID suits have settled for $9.9M and $16.75M. | Core | |
| Workers' Compensation | Covers needlestick and bloodborne exposure among phlebotomists. | Core | |
| Employment Practices Liability | High-turnover hourly staff. | Prevalent | |
| Regulatory / FDA Defense | Covers response costs for Form 483s and warning letters. | Prevalent | |
| Product Recall / Contamination | Covers lookback, quarantine, and recall losses. | Prevalent | |
| Property, Equipment Breakdown & Spoilage | Covers frozen plasma lost to freezer or power failure. | Prevalent | |
| Crime | Covers theft of donor payment-card funds. | Situational | |
| Umbrella / Excess Liability | Donor infection suits have sought more than $12 million. | Situational |
The coverage gap most often missed
The gap most often missed by donation centers is donor injury under a general-liability-only program. Courts have treated fainting and fall injuries as ordinary negligence arising from medical-type screening, and many GL policies exclude professional services. Without medical professional liability, the center's core activity can go uninsured. Confirm donor injury is covered, and that biometric privacy claims aren't excluded from your cyber policy.
Send us the checklist and we'll review your blood & plasma donation center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Blood & Plasma Donation Center Insurance · Blood & Plasma Donation Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a blood & plasma donation center business need?
The core coverages for a blood & plasma donation center business are Medical Professional Liability (Donor Injury), General Liability, Products / Completed Operations, Cyber / Privacy (BIPA Covered), Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my blood & plasma donation center coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.