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Why do phlebotomists need insurance?
Drawing blood and preparing samples for testing places phlebotomists at high risk for a lawsuit. A patient could faint and hit their head, or a mislabeled sample could lead to the wrong diagnosis. Business insurance helps pay for attorney's fees and other costs in the event of a lawsuit. It also covers property damage, auto accidents, and theft.
Find affordable coverage
Phlebotomists can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do phlebotomists need?
These insurance policies cover the most common risks of phlebotomy.
General liability insurance
This insurance covers basic third-party risks, such as a patient who slips on a wet floor and suffers a bodily injury. It's often required for commercial leases.
BEST FOR
- Slip-and-fall injuries
- Accidents that damage patient property
- Advertising injuries, such as slander
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for a phlebotomist.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Stolen or damaged business property
Professional liability / medical malpractice
Professional liability insurance, also called medical malpractice insurance, covers legal defense costs related to the quality of your phlebotomy services, such as venipuncture that causes pain.
BEST FOR
- Nerve damage from a blood draw
- Mislabeled blood samples
- Accusations of negligence
Commercial auto insurance
This policy covers the cost of accidents involving a phlebotomy business's vehicle. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Workers’ compensation insurance
Most states require workers' comp for phlebotomy practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
This policy helps phlebotomy clinics recover financially from data breaches and cyberattacks. It's strongly recommended for any small business that handles personal information.
BEST FOR
- Customer notification costs
- Data recovery
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
A phlebotomist who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Job specifics, such as medical assistant, nurse practitioner, or telemedicine
- Medical equipment and other business property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get phlebotomist insurance?
It's easy to get liability insurance coverage for phlebotomy if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance products for your phlebotomy business, whether you work independently or hire employees.
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