Birth Center & Midwife Insurance Coverage Checklist
The coverages a birth center & midwife 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 birth centers and midwifery practices. Priorities reflect typical exposure; confirm against home births and higher-risk births.
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 birth-injury claims — confirm limits and home-birth coverage. | Core | |
| Extended Reporting Period (Tail) | Critical because birth-injury claims can arrive many years later. | Core | |
| Commercial General Liability | Covers premises injuries to patients and visitors. | Core | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is the long tail. Birth-injury claims can often be filed until the child reaches adulthood, so a claims-made policy that lapses without tail coverage can leave years of births uninsured. Practices should protect continuous coverage and buy tail when they close or change carriers, screen risk throughout pregnancy, and keep a written hospital transfer protocol.
Send us the checklist and we'll review your birth center & midwife coverage line by line, then market it across multiple carriers that compete for your account.
Related: Birth Center & Midwife Insurance · Birth Center & Midwife Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a birth center & midwife business need?
The core coverages for a birth center & midwife business are Professional Liability, Extended Reporting Period (Tail), Commercial General Liability, 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 birth center & midwife 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.