Allergist Insurance Coverage Checklist
The coverages an allergist 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 allergy and immunology practices, including immunotherapy and extract mixing. Priorities reflect typical exposure for this class; confirm against your actual procedures, settings, and providers.
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 |
|---|---|---|---|
| Medical Professional Liability | Covers each allergist for reactions, dosing errors, and missed diagnoses. | Core | |
| Entity / Group Professional Liability | Covers the practice, nurses, and techs who give shots and mix extracts. | Core | |
| Cyber / Privacy Liability | Covers patient records and portals. | Core | |
| Business Owner's Policy / Property | Covers the office, mixing area, and testing equipment. | Prevalent | |
| Spoilage | Covers allergen extracts and biologics lost to refrigeration failure. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Regulatory / Billing E&O | Covers immunotherapy billing audits and compounding inspections. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Products Liability | Needed if extracts you mix are given outside your office. | Situational | |
| Telemedicine / Multistate Coverage | Covers telehealth follow-up across state lines. | Situational |
The coverage gap most often missed
The gap most often missed by allergists is coverage for shots given outside the office. When patients take vials home or to another doctor or school, the practice that mixed and dosed the extract can still be sued if a reaction happens away from its observation and epinephrine protocols. Confirm the policy covers extracts you prepare that are given elsewhere, and set written rules for when outside administration is allowed.
Send us the checklist and we'll review your allergist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Allergist Insurance · Allergist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an allergist business need?
The core coverages for an allergist business are Medical Professional Liability, Entity / Group Professional Liability, Cyber / Privacy 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 allergist 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.