Acupuncture Insurance Coverage Checklist
The coverages an acupuncture business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for acupuncture practices. Priorities reflect typical exposure; confirm against moxibustion, cupping, and herbs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers treatment claims including pneumothorax and burns. | Core | |
| Products Liability | Covers herbal products the practice dispenses or sells. | Situational | |
| Commercial General Liability | Covers premises injuries to patients and visitors. | Core | |
| Abuse & Molestation | Covers misconduct allegations — often excluded from professional liability. | Prevalent | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is products liability for herbs. Practices that dispense or sell herbal products take on product claims — contamination, interactions, adverse reactions — that professional liability may not cover. Practitioners should confirm products coverage, source from suppliers that test for heavy metals, and set depth limits for points over the chest.
Send us the checklist and we'll review your acupuncture coverage line by line, then market it across multiple carriers that compete for your account.
Related: Acupuncture Insurance · Acupuncture Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an acupuncture business need?
The core coverages for an acupuncture business are Professional Liability, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my acupuncture coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.