The Hartford doesn’t offer phlebotomy insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Phlebotomy Insurance?
Phlebotomy insurance is made up of business insurance coverages designed to help protect your practice from incidents and injuries that occur on the job. Like any small practice, you face risks every day that could result in significant costs and setbacks for your business. Even with the best preparation, accidents can still happen — like a needle stick injury or allergic reaction. With phlebotomy insurance, you can have peace of mind knowing you’re better prepared to deal with medical mishaps.
Although The Hartford doesn’t offer phlebotomy insurance, we help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might I Need Phlebotomy Insurance?
While a phlebotomist working in a center or hospital will typically have insurance protection from their employer, you’ll need coverage if you’re an independent phlebotomist or own your clinic.
Your phlebotomy practice can be held liable for a range of risks, including patient injuries and workplace disputes. Without insurance, you could be left paying expensive medical costs out of pocket if a patient is injured. Or, if any of your equipment is damaged, you’d be responsible for repairing or replacing it.
Phlebotomy insurance can help protect your practice from many potential risks, like:
- Medical negligence: If a patient files a claim due to a lost or mishandled sample.
- Workplace injury: If an employee gets poked by a needle.
- Property damage: If expensive lab equipment breaks down.
What Phlebotomy Insurance Coverages Might I Need?
When it comes to protecting your phlebotomy practice, your coverage should address your potential risks. Many phlebotomists start with a Business Owner’s Policy (BOP) because it can help make you more prepared to deal with challenges. A BOP combines three types of coverage to help protect your practice from common everyday claims:
General liability insurance helps protect your practice from claims that it caused bodily injury or property damage to others, including visitors, delivery drivers and patients.
Commercial property insurance helps protect the owned or rented building you operate your clinic from, as well as the equipment, tools and inventory you rely on. These can include:
- Needles
- Tourniquets
- Collection tubes
- Personal protective equipment (PPE)
- Centrifuges
- Chairs
Business income insurance helps replace your lost income if you can’t keep your office running because of covered property damage caused by fire, theft or vandalism.
You can customize your BOP by adding other types of insurance. This is important because a BOP doesn’t cover every kind of claim. Some additional types of insurance you can get include:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover the costs of an accident that occurs while you or one of your employees uses a company-owned vehicle for work, like picking up supplies or transporting samples.
Professional liability insurance to help protect you and your team from claims that there was a mistake in the services provided. This coverage is also known as malpractice insurance.
How Much Does Phlebotomy Insurance Cost?
Although The Hartford doesn’t offer insurance solutions to phlebotomists, here are the average costs our small business owners pay for common types of coverage:**
- Business Owner’s Policy (BOP): $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
What you pay for phlebotomy insurance will vary because every practice has unique needs. Insurance companies may consider several factors when determining the cost of your coverage, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- Coverage limits you select
To find out your specific phlebotomy liability insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A patient slipped in our waiting room and broke their ankle. They sued us to cover their medical expenses and lost wages.”
General liability insurance helps cover claims that your practice hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
Water Contamination Coverage
“When water main repairs pushed silt into our plumbing, we had to use bottled water until the whole system could be flushed.”
Drinkable water coverage can help replace lost income if you have to shut down your practice temporarily due to water contamination. It can also help pay for bottled water so you can stay open.
Workers’ Compensation Insurance
“One of our techs accidentally stuck herself while getting a blood sample from a patient.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“A patient sued my practice, claiming the results of their blood work were wrong. It led to additional testing that they had to pay for.”
Professional liability insurance, or malpractice insurance, helps cover claims that your practice made a mistake in the services provided. It can help cover your legal costs, such as attorney fees, judgments or settlements.
Commercial Property Insurance
“A storm damaged our roof and water flooded the office. Everything was ruined, including the floors, furniture and equipment.”
Commercial property insurance helps protect your owned or rented building, as well as the equipment, tools, supplies and inventory you use to run your practice.
Lost Medicine Coverage
“Our specimen fridge broke overnight, and by the time we caught it, a whole batch of samples had gone bad.”
Also known as spoilage coverage, this insurance helps cover the cost of spoiled or ruined products that need to maintain a certain temperature in order to stay usable.
Protect Your Practice With Phlebotomy Insurance
Make sure your practice is protected from unexpected events, so you can continue delivering exceptional care. Get an insurance quote through Tivly today.
Last Updated: March 17, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Risk & Insurance, "Water Damage Claims Continue To Drive Non-CAT Property Losses,” viewed March 2025.
3 NIOSH, "About Motor Vehicle Safety at Work,” viewed March 2025.
4 American Medical Association, “Policy Research Perspectives: Medical Liability Claim Frequency Among U.S. Physicians,” viewed March 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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