Cardiologist Insurance Coverage Checklist
The coverages a cardiologist 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 cardiology practices, including physician-owned cath labs and ASCs. 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 cardiologist for diagnosis, treatment, and procedure claims. | Core | |
| Entity / Facility Professional Liability | Covers an owned ASC or office cath lab separately from the physicians. | Core | |
| Medical Director E&O | Covers administrative decisions as a facility medical director. | Core | |
| Cyber / Privacy Liability | Covers patient records and remote monitoring data. | Core | |
| Commercial Property & Equipment Breakdown | Covers cath, nuclear, and echo equipment. | Prevalent | |
| Workers' Compensation | Covers staff, including radiation exposure. | Prevalent | |
| Regulatory / Billing E&O | Covers payer audits and Stark / anti-kickback inquiries. | Prevalent | |
| Employment Practices Liability | Covers claims from staff and APPs. | Prevalent | |
| Pollution / Radioactive Materials | Covers nuclear isotope spills and disposal. | Situational | |
| Clinical Trials Liability | Needed for drug and device studies. | Situational |
The coverage gap most often missed
The gap most often missed by cardiologists is the physician-owned cath lab or ASC. With PCI and ablation now allowed in ASCs, the facility carries its own transfer, credentialing, and vicarious liability, and many cardiologists carry only individual coverage. Confirm the facility has its own professional liability with separate limits, and that medical director duties are covered.
Send us the checklist and we'll review your cardiologist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cardiologist Insurance · Cardiologist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cardiologist business need?
The core coverages for a cardiologist business are Medical Professional Liability, Entity / Facility Professional Liability, Medical Director E&O, 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 cardiologist 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.