Laboratory instruments and equipment

Laboratories are synonymous with the development and manufacture of medical products, cosmetics and vitamins & food supplements.

We provide cover for companies who develop, manufacture and distribute a wide range of laboratory instruments and equipment from glassware to microscopes and centrifuges to spectrometers. 

We recognise the sensitive environments in which these products are used and the importance of having a specialist insurance solution for UK based laboratory instruments and equipment providers


0345 351 2600

Our coverage is tailored for UK based SMEs in the following fields:

  • Research and development
  • Manufacturers
  • Importers
  • Wholesalers
  • Distributors

Legal liabilities

    • Liability - injury and property damage
    • Liability - financial loss
    • Clinical trials
    • Employers’ liability

Management risks

    • Entity defence
    • Directors’ and officers’ liability

Protection of assets

    • Property damage
    • Business interruption
    • Specified all risks
    • Money and personal assault
    • Transit

Extensions available

    • Public utilities
    • Denial of access
    • Restrictions to premises
    • Customers extension
    • Suppliers extension
    • Product withdrawal expense

Lab Equipment - Claim example

Pure Financial Loss from efficacy

The client designed and manufactured a gas chromoatograph for use in a laboratory. There was a configuration issue and the device was unable to perform as expected. The customer had performed a number of experiments before the error was identified. The customer pursued the client for a breach of contract to recover the costs incurred in rerunning the experiments again. The client used their products financial loss cover which included contractual liability to defend the claim.

Lab Equipment - Claim example

Fire damage to buildings

The client manufactured a spectrometer. There was an manufacturing defect and during the night the instrument set on fire causing damage not only to the lab it was located in but also the adjoining labs. The fire was extinguished by the sprinkler system, but the smoke had contaminated the adjoining areas and water had damaged the rooms below. The client used their product liability cover to defend the claim.

Alongside insurance solutions, we can also assist your clients with tax and funding services such as R&D tax relief, tax funding and patent box through our partner Abbey Tax. 

Download the service brochures below: 

For more information about any of these specialist tax and funding services, please contact your local Markel underwriter.