Diagnostics & Genomics Lab Insurance Coverage Checklist
The coverages a diagnostics & genomics lab 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 clinical diagnostic and genomic testing laboratories. Priorities reflect typical exposure for this class; confirm against your actual tests and ordering channels.
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 |
|---|---|---|---|
| Laboratory Professional Liability | Covers claims over test results and reports — courts may treat labs as health care providers. | Core | |
| Cyber / Privacy Liability | Covers genetic and health data breaches, which carry high per-person penalties. | Core | |
| General Liability | Covers the lab, patient service centers, and visitors. | Core | |
| Commercial Property | Covers sequencers, analyzers, and the build-out. | Core | |
| Workers' Compensation | Covers lab staff, phlebotomists, and couriers. | Core | |
| Regulatory / Billing E&O | Covers defense of payer audits and billing investigations. | Prevalent | |
| Equipment Breakdown & Spoilage | Covers sequencer failures and lost specimens. | Prevalent | |
| Directors & Officers Liability | Covers leadership against investor and regulatory claims. | Prevalent | |
| Hired & Non-Owned Auto | Covers couriers and staff collecting specimens. | Situational | |
| Products Liability | Needed if you sell test kits to other labs or consumers. | Situational |
The coverage gap most often missed
The gap most often missed by genomic labs is buying technology E&O instead of medical-style professional liability. A South Carolina court treated a genetic lab as a health care provider in a suit alleging a misclassified variant, and technology E&O policies may exclude bodily injury. Genetic data breaches can bring per-person penalties far above the cost of notification. Confirm professional liability covers bodily injury from results, and that cyber limits match the number of people whose DNA data you hold.
Send us the checklist and we'll review your diagnostics & genomics lab coverage line by line, then market it across multiple carriers that compete for your account.
Related: Diagnostics & Genomics Lab Insurance · Diagnostics & Genomics Lab Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a diagnostics & genomics lab business need?
The core coverages for a diagnostics & genomics lab business are Laboratory Professional Liability, Cyber / Privacy Liability, General Liability, Commercial Property, 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 diagnostics & genomics lab 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.