Looking for Diagnostic & Medical Testing Insurance?
Protect your diagnostic business from testing errors, patient injuries, equipment damage, and data privacy exposure. Harper provides insurance for laboratories, imaging centers, mobile testing providers, and diagnostic service businesses, with fast certificates for regulators, hospitals, and healthcare partners.
What is Diagnostic & Medical Testing Insurance?
Diagnostic and medical testing insurance protects healthcare testing providers from risks including testing errors, patient injuries, equipment failures, and HIPAA-related data breaches. Coverage commonly includes professional liability, general liability, equipment protection, and cyber liability. State regulators, hospitals, and healthcare partners often require proof of insurance before licensing, credentialing, or contracting for diagnostic services.
Professional Liability
Covers claims related to testing errors, misdiagnosis, incorrect reporting, or negligent diagnostic services that result in patient harm or financial loss.
Equipment Protection
Covers imaging machines, laboratory equipment, diagnostic tools, and specialized technology against damage, breakdown, or loss.
HIPAA & Cyber Coverage
Protects against data breaches, unauthorized access to patient records, HIPAA notification costs, regulatory fines, and related legal expenses.
Certificates
Fast proof of insurance for regulators, hospitals, healthcare systems, and contract partners.
Who Needs Diagnostic & Medical Testing Insurance?
- Diagnostic laboratories : Businesses requiring specialized insurance coverage
- Imaging and radiology centers : Businesses requiring specialized insurance coverage
- Mobile testing providers : Businesses requiring specialized insurance coverage
- Specialized diagnostic service businesses : Businesses requiring specialized insurance coverage
Why Harper?
Diagnostic & Healthcare Expertise
Diagnostic providers operate in a highly regulated environment where accuracy, documentation, and patient safety are critical. Harper understands the risks associated with testing procedures, equipment reliability, and data protection and offers coverage designed specifically for diagnostic operations.
Fast Proof for Healthcare Partnerships
Hospitals, physician groups, and healthcare systems often require insurance documentation before approving contracts or referrals. Harper delivers accurate certificates quickly to support credentialing and partnership timelines.
Clear, Practical Guidance
We explain professional liability, equipment coverage, and HIPAA-related requirements in clear terms so you understand how coverage protects your testing services and compliance obligations.
Coverage Matched to Your Testing Services
Whether you provide laboratory testing, imaging, mobile diagnostics, or specialized testing services, Harper helps align coverage with your scope of services and equipment exposure.
Frequently Asked Questions
What insurance do diagnostic testing businesses need?
Most diagnostic providers need professional liability to cover testing errors, general liability to cover patient injuries at facilities or mobile sites, equipment coverage for diagnostic equipment, and cyber liability to address HIPAA-related data exposure. Workers' compensation is required if you have employees.
Is diagnostic testing insurance required?
Yes. State regulators typically require liability coverage as part of laboratory or diagnostic licensing. Hospitals and healthcare partners often require professional liability and cyber coverage before entering contracts or referral agreements.
How much does diagnostic testing insurance cost?
Costs vary by services, equipment value, and patient volume. Small laboratories may pay $3,000–$8,000 annually, while imaging centers and advanced diagnostic facilities typically charge $8,000-$25,000 or more.
Does insurance cover testing errors or misdiagnosis?
Professional liability coverage may apply to claims involving testing errors or misdiagnoses when services were performed within scope and established procedures were followed, subject to the policy's terms.
Does insurance cover equipment breakdown?
Yes. Equipment breakdown coverage can protect diagnostic machinery from mechanical or electrical failures, including repair or replacement costs.
Can I add hospitals or healthcare partners as additional insureds?
Yes. Healthcare partnership agreements may require hospitals or systems to be added as additional insureds. Harper assists with certificates and endorsements to ensure compliance with contract requirements.