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Laboratory and Analytical Testing Firm Program Overview:

Legends analytical laboratory insurance program provides commercial
general liability professional liability and pollution coverage for a wide
range of laboratories.

Endorsements are available to cover liability with disposal of laboratory
samples, as well as environmental impairment liability for the laboratory
premises. Flexible combinations of critical coverages, competitive formats
and three-year fixed cost options are available.

Examples:

Environmental Testing
Agricultural Testing
Geotechnical Testing
Construction Materials Testing
Chemical Analysis
Mechanical Testing
Materials Testing
Food Quality Analysis
Forensic Testing
* Coverage for medical laboratories is not available

Endorsements are available to cover liability with disposal of laboratory
samples, as well as environmental impairment liability for the laboratory
premises. Flexible combinations of critical coverages, competitive formats
and multi-year fixed cost options.

Innovative Features

Sample disposal liability - $100,000 liability limit
Environmental impairment liability - From or at the laboratory premises
endorsement - $100,000 liability limit.
NOSE coverage enables insureds to switch from claims-made to
occurrence with no coverage gap.
Medical expense coverage, $5,000 per person.
Hired & Non-Owned Auto Liability.
Stop Gap employer's liability for monopolistic states.
Blanket additional insured endorsement.
Blanket waiver of subrogation endorsements.
Minimum earned premium of 10 percent.
Flexible premium financing
Policy provided by an AM Best A rated carrier.

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