Dermatology & Plastic Surgery Insurance Coverage Checklist
The coverages a dermatology & plastic surgery 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 dermatology, Mohs, and plastic and cosmetic surgery practices. Priorities reflect typical exposure; confirm against procedures and where they are performed.
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 (Physicians & Entity) | Covers surgical and diagnostic claims — confirm limits meet any state minimums for fat transfer. | Core | |
| Office-Based Surgery Facility Coverage | Confirms the policy covers procedures in an accredited office suite. | Core | |
| Anesthesia Provider Coverage | Confirms CRNAs or anesthesiologists carry their own coverage or are covered by the practice. | Prevalent | |
| Commercial General Liability | Covers premises injuries. | Core | |
| Cyber Liability | Covers patient records and clinical photos. | Prevalent | |
| Regulatory / Board Defense | Covers medical board investigation costs. | Prevalent | |
| Umbrella / Excess Liability | Adds limits above primary malpractice for a surgical death. | Situational |
The coverage gap most often missed
The most commonly missed exposure for this class is office-based surgery under sedation. Gluteal fat grafting deaths led Florida to require ultrasound guidance, case caps, registration, and minimum malpractice coverage, and other states are expected to follow. Practices should confirm accreditation, who provides anesthesia and whether they're covered, and whether limits meet any state minimums. For dermatology, missed diagnoses and lost specimens are the most frequent claims — a tracking and recall system is the core defense.
Send us the checklist and we'll review your dermatology & plastic surgery coverage line by line, then market it across multiple carriers that compete for your account.
Related: Dermatology & Plastic Surgery Insurance · Dermatology & Plastic Surgery Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a dermatology & plastic surgery business need?
The core coverages for a dermatology & plastic surgery business are Medical Professional Liability (Physicians & Entity), Office-Based Surgery Facility Coverage, 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 dermatology & plastic surgery 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.