Diagnostic Lab Insurance Program from Eastern Special Risk Insurance Agency
Eastern Special Risk Insurance Agency offers a focused liability program for diagnostic laboratories and imaging centers. Designed for agents placing clinical (non-pathology) labs and imaging facilities, the program provides professional liability alone or combined professional and general liability, helping clients manage the unique risks of diagnostic services and high-tech imaging equipment.
Ideal Accounts and Target Classes
This program targets U.S.-based clinical diagnostic labs and imaging centers that do not perform pathology services. Typical eligible operations include:
- MRI centers
- X-ray facilities
- Laboratory testing (LT) operations
- Positron emission scanning (PES)
- SPECT imaging centers
- Nuclear diagnostic labs
- Mobile diagnostic units
Whether the account is a fixed-location imaging facility operating daily or a mobile unit servicing multiple providers, the program is structured to address diagnostic-specific exposures rather than pathology practice risks.
Coverage Highlights and Advantages
- Limits up to $1,000,000 per claim / $3,000,000 aggregate
- Available as professional liability only, or combined professional and general liability
- Underwriting tailored to non-pathology diagnostics—focus on exposures from misdiagnosis, procedural errors, equipment operation, and radioactive materials handling where applicable
- Program placements are written through Lexington Insurance Company, a leading surplus lines carrier
This program is meant to protect insureds against claims arising from diagnostic errors, negligent procedures, and other professional exposures tied to imaging and non-pathology lab work.
Underwriting Notes
Submissions typically require a completed application, recent loss runs, and a clear description of services and procedures performed. Underwriters will evaluate operations, staffing, equipment, safety protocols, and loss history to determine eligibility and pricing. There is no specified minimum premium listed publicly; each risk is evaluated on size, scope, and claims record.
Example accounts that commonly fit: a standalone MRI and X-ray facility operating seven days a week, or a mobile diagnostic unit providing routine imaging to rural clinics. Accounts that perform pathology services, invasive procedures beyond routine imaging, or have significant adverse loss histories may not be eligible.
Available States
The program is available in all 50 U.S. states and Washington, D.C. Placements are handled through Eastern Special Risk Insurance Agency regardless of the insured’s location.
Why Work With Eastern Special Risk Insurance Agency?
As a specialty general agency with deep experience in allied healthcare risks, Eastern Special Risk Insurance Agency provides agents access to niche markets for hard-to-place diagnostic accounts. Their underwriting emphasizes practical risk assessment for imaging and non-pathology lab operations, and their access to Lexington Insurance Company supports surplus lines placements when broader market capacity is needed.
For more information or to submit a risk, visit the Eastern Special Risk Insurance Agency profile or the Diagnostic Lab program page.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Clinical diagnostic labs and imaging centers that do not perform pathology services are the best fit—examples include MRI, X-ray, nuclear imaging, SPECT, and mobile diagnostic units.
Is professional liability coverage available without general liability?
Yes. The program allows you to place professional liability only, or a combined professional and general liability package, depending on the insured’s needs.
Which states is this program available in?
This program is available in all 50 U.S. states and Washington, D.C.
Who is the carrier for this program?
Policies are written through Lexington Insurance Company, a surplus lines carrier with experience in specialty healthcare risks.
What submission materials are typically required?
Submissions generally require a completed application, recent loss runs, and a detailed description of services and equipment used by the insured.
Need help placing an account? Connect with a market specialist.