Audiology & Hearing Aid Insurance Coverage Checklist
The coverages an audiology & hearing aid 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 audiology practices and hearing aid dispensers. Priorities reflect typical exposure for this class; confirm against the practice's actual services.
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 claims from testing, ear impressions, cerumen removal, and fittings — impression injuries have settled for as much as $560,000. | Core | |
| Products Liability | Covers claims that a hearing aid or custom earmold the practice sold or fitted caused injury. Confirm products are not excluded from the professional or GL policy. | Core | |
| Commercial General Liability | Covers patient and visitor injuries on premises, including falls in the waiting room or during balance testing. | Core | |
| Commercial Property / Business Personal Property | Covers sound booths, audiometers, and hearing aid and loaner inventory — often high value in a small space. | Core | |
| Workers' Compensation | Required in most states with employees. | Core | |
| Cyber / Privacy Liability | Covers patient health records, payment and financing data, and apps that connect to patients' hearing aids. | Prevalent | |
| Crime / Employee Theft | Covers theft of hearing aid inventory and patient payments — small, high-value, easy to divert. | Prevalent | |
| Employment Practices Liability | Covers claims by clinicians and staff. | Prevalent | |
| Hired & Non-Owned Auto | Responds when clinicians drive to homes, nursing homes, or industrial testing sites. | Situational | |
| Billing Errors / Regulatory Liability | Needed if the practice bills Medicare, Medicaid, or other government payers. | Situational |
The coverage gap most often missed
The gap most often missed for audiology and hearing aid practices is products liability. A practice that sells and fits hearing aids and custom earmolds carries product exposure on top of its professional work, and some professional policies cover only the service, not the device. Confirm both are covered. Also confirm cerumen removal is within each clinician's state scope of practice — care outside that scope may fall outside the professional policy entirely.
Send us the checklist and we'll review your audiology & hearing aid coverage line by line, then market it across multiple carriers that compete for your account.
Related: Audiology & Hearing Aid Insurance · Audiology & Hearing Aid Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an audiology & hearing aid business need?
The core coverages for an audiology & hearing aid business are Professional Liability, Products Liability, Commercial General Liability, Commercial Property / Business Personal Property, Workers' Compensation. 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 audiology & hearing aid 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.