Accurate results, backed by coverage.
Professional liability for test and imaging errors, equipment breakdown, cyber for patient data, and workers' comp for clinical, dental and imaging labs.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Results doctors rely on
A lab's product is a result. A mislabeled specimen, a missed finding on a scan or a dental crown that doesn't fit can lead to a claim from a patient or the practice that ordered the work. Analyzers, scanners and milling machines are costly and can stop work for days when they fail.
Clinical labs in California are licensed or registered through the state's Laboratory Field Services and certified under federal CLIA rules, and X-ray equipment is registered with the state's Radiologic Health Branch. I place professional liability, property, equipment breakdown and cyber to fit your setup.
- Professional liabilityErrors in testing, reading or fabrication.
- Equipment breakdownAnalyzers, scanners, refrigeration and mills.
- Cyber liabilityPatient records and ransomware.
- Workers' compNeedlesticks, chemicals and lifting.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Lab type: clinical, dental, imaging or a mix.
- Tests or services: main menu and volume.
- Equipment: major machines and their values.
- Licenses: state license and CLIA certificate.
- Revenue and payroll: annual figures.
- History: current policies and any past claims.
Medical lab insurance, answered
Is a misread scan covered?
Professional liability often covers claims from reading errors, subject to the policy. Radiologists may carry their own coverage too.
Does equipment breakdown cover an MRI?
Equipment breakdown can cover sudden mechanical and electrical failure. Service contracts and the policy each cover different things.
Do dental labs need professional liability?
Yes, when a crown or appliance fails. Dentists often ask labs to carry it.
Are courier pickups covered?
Drivers need commercial auto or hired and non-owned auto. Specimens in transit are a separate exposure.
Do you offer medical lab insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Official sources
Send your lab details. I'll shop it.
Lab type, equipment values and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
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Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.