Laboratory insurance, which one to choose?

November 2, 2021

Laboratories are the most dangerous places and at the same time the most important for society. If you want to know a little more about them and the insurance for laboratories that you can hire to prevent accidents, keep reading to find out everything .

What are labs

Laboratories are those premises that are used for the purpose of scientific experiments and discoveries. Inside they are equipped with machinery and instruments dedicated to the type of research to be carried out.

In ancient times, the first scientists who were the discoverers of many of the equipment, chemical elements, physical laws, among others; they used parts of their house as studies . For example, in a small barn, a secluded room in your home, or small huts. They also turned their garages into laboratories, even some basements.

The places had to have adequate ventilation since if they experimented with toxic gases or other compounds they could die asphyxiated. In addition, in the cases of workshops for making mechanical equipment, to prevent an explosion from occurring in an equipment failure, open places should always be used.

Types of laboratories

At present and with the advancement of science there are many types of laboratories which, in turn, are used in the discovery of new knowledge. Some of the examples of them are:

Chemical laboratories

One of the laboratories that man could build himself were chemists, since the first discoveries were to find gold , mineral resources and the other elements listed in the Periodic Table.

Long before medicine, pharmacies or hospitals existed, the healing processes were carried out by the doctors of that time. Depending on the ailment that the patient had, a syrup obtained from plants was dictated to him. Those in charge of making these syrups were called apothecaries.

Although this did not have a name yet, we know that it was about investigations by chemical processes since this concept encompasses everything that is the analysis of compounds, mixtures of substances and determining the characteristics and applications of the new findings.

Currently, the instruments used in a chemistry laboratory are:

  • Glass instruments : Shaker, Kitasato, graduated or graduated flask, graduated or volumetric pipette, glass rod, beaker, measuring cylinder, decanting flask, distillation flask, funnel, watch glass, burette, among others.
  • Metal instruments : Lighters, metal tweezers, spoon, universal holder, spatula, Mohr’s tweezers, traditional tweezers, punch, tripod.
  • Porcelain instruments : Mortar, porcelain capsule, triangle, crucible, Buchner funnel, among others.
  • Other accessories : Plastic tweezers, wash bottle, rubber hoses, propipettes, rubber knobs.
  • Electronic instruments : Chronometers, heating racks, vaporizer, microscope, among others.

Biology laboratories

Biology laboratories are very similar to chemistry laboratories, with the difference that their main function is to classify and analyze biological materials to discover cures for new diseases and vaccines. In general, one of the attachments that these premises have are human skeletons, fetuses and some species of animals in dissection.

The most common instruments and equipment in biology laboratories are:

  • Microscope : Two types of microscope are used : optical and electronic. The latter is the most powerful that exists. This instrument through its lenses allows us to enlarge the image of a biological object or material to our liking to study it.
  • Petri boxes : This is the name given to those containers that are mostly made of glass that are used to place the samples to be examined. These small jars do not have a lid, since the biological materials that are placed here must be in direct contact with the air to see their behavior and define their properties.
  • Thermometers : This instrument is well known to all and is used to know and control the behavior of temperature .
  • Dissection tables: These tables are used to preserve by dissecting an animal for study.

Clinical laboratories

These clinical-type laboratories are used to study human and animal samples to determine if they suffer from any disease and proceed with their treatment. They are also used to prevent other ailments such as diabetes through routine blood tests.

For everyone’s safety, doctors recommend that we examine at least twice a year. There are many types of clinical check-ups such as :

    • Blood test : Blood samples can alert you to your health. Through these samples you can see the state of sugar, uric acid, triglycerides, hemoglobin, creatinine, among others.
    • Urine test: Urine tests are used to determine any type of infection that we may have. Also to check if we suffer from parasites and to be able to fight them.
    • Stool examination : Another of the clinical tests that are frequently performed are stool tests. They are carried out mainly to verify the correct digestion of food and it is also very useful when diagnosing an infection and parasitic diseases.
  • Exudates : These tests are performed using instruments with sterile swabs to take samples from different parts of the body. For example, exudates from the pharynx are very useful for the diagnosis of respiratory diseases.

Exudates are also made to the nasal cavities, of a hemorrhagic and waxy type. The latter characterized by taking skin samples and the fluid found in blisters in damaged or burned skin areas.

Metrology Laboratory

Another of the most widely known laboratories today are those of metrology. This science is the one that studies the natural phenomena , the climate, the changes that take place in the atmospheric layers and how these conditions are manifested on our planet.

The experts who study this branch of science study the patterns that in different circumstances are variable such as: wind, atmospheric pressure, temperature, etc.

According to the behavior of these magnitudes, meteorologists define and predict the climate for the next few days and alert the country to possible phenomena such as cyclones or hurricanes.

Laboratories of this type are located locally by provinces or states of the same country, since in these areas the climate can be different. The two main characteristics that characterize this science are measurement and the degree of accuracy in predictions.

Is the weather accurate?

In reality, all sciences have a percent probability of failure and in these cases it is due to the changing conditions of the atmosphere and the planet itself.

For example, a meteorological station could predict heavy rains for a certain region but nevertheless strong winds can from one moment to another carry water-laden clouds elsewhere.

That is why, despite trying to make the predictions as accurate as possible, they only constitute an approximation of what could really happen and in most cases they are very reliable.

The measuring instruments that are used in these laboratories with many; here we bring you some so that you know them:

  • Micrometer
  • Vernier caliper
  • Depth gauge
  • Dial gauge
  • Water level
  • Tachometer

Safety standards to be met in a laboratory

In a laboratory, a series of rules and preventive measures must be followed to make work safer. Since in these places you are in complete contact with equipment and substances that can be toxic, your behavior and care must be paramount.

5 things you shouldn’t do in a laboratory for any reason

  1. If you are in a laboratory under no circumstances can you ingest any food since your hands may be infected with a toxic product. Also for the same reason you should avoid drinking water or simply licking your fingers.
  2. Another thing that for no reason you can do is take out your makeup products and apply them in these places . In case you did not know, cosmetics are derived from chemical substances, so if by any chance they are in contact with other compounds, you could cause a reaction.
  3. In these places smoking is not allowed either, it is something logical, since you will know that the butt of your cigarette can create an unwanted flame that if it made contact with some compounds could create an explosion that would devastate the place.
  4. Exits must always be clear ; Under no circumstances keep the doors locked because in case of evacuation due to an accident, people must get out quickly. Also, an interesting fact that you may never have noticed is that all the laboratory doors open outwards.

You know why? This is because if a toxic compound is spilled and you have to leave the place quickly, the doors will not lock when opened and are simply pushed out.

  1. Other things you should never do in labs is run or walk fast as you can collide with another partner and spill chemicals on the ground. You must be careful!

The best insurance for laboratories

So that you can continue with your investigations without fear of accidents, what you need is to take out laboratory insurance and thus cover all possible damages. In this way you will get rid of possible lawsuits or compensation by workers for the damages they suffer.

The first thing you should do to contract laboratory insurance is to legally declare the security measures to be followed by each one for their protection.

With what objective? This should be done so that if an accident occurs, you can examine the situation to determine if it was really a fatality or if it was the negligence of a worker.

In this way, you avoid claiming compensation for work accidents and the responsibility falls on the injured person. The second step is to write the document that indicates what damages your insurance will cover and of course determine the insurance company you want to hire.

How to purchase laboratory insurance

To insure your laboratory, you can do so by going to one of the legal establishments established for this and requesting the insurance contract. Through it, the company promises you coverage against possible damages caused by experiments and tests.

You must pay the company the agreed amount on a monthly basis and in return it protects you and pays for all the repair costs of the premises if an explosion occurs or if any equipment breaks down.

Another way you can access secure laboratory if you do not want to go to physical institutions is so online . On the internet you will find many official sites that are dedicated to this.

Once you access the site, you must select the type of laboratory you want to insure and proceed to negotiate the service. The advantage of performing this action online is that you save a lot of time since it is done much faster than in physical institutions.

Advantages of contracting insurance for laboratories

Hiring insurance for laboratories will bring you a series of advantages such as:

  • Through these insurances you can avoid possible lawsuits by workers for physical damages caused at work.
  • In addition, the insurance gives you the possibility of restoring your machinery and utensils if they suffer from wear or if they do not work. Laboratory insurance includes the establishment as such but also each of the things that are within it.
  • Insurance is much cheaper than paying your own expenses for work accidents. In addition , a rental insurance for your laboratory is mandatory , the laws require that each of these premises be legalized in this way.

Some of the insurance companies that you can visit for your laboratory are:

  • Axa
  • More ultra
  • Real
  • Maphre
  • Cram
  • Allianz

Rental insurance is mandatory in your laboratory . You decide which one to choose so that you feel more comfortable and in this way the work will be much more satisfactory.

Dr. Loony Davis5
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Born and raised in Brussels in an English family, I have always lived in a multicultural environment. After several work experiences in marketing and communication, I came to Smart Water Magazine, which I describe as the most exciting challenge of my career.
I am a person with great restlessness and curiosity to learn, discover what I do not know, as well as reinvent myself daily, someone who is curious about life and wants to know. I enjoy sharing knowledge.
This is my personal project but I also collaborate in other blogs, it is the case, the most important web on water currently exists in the US, if you are interested you can read my articles here.

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