Dialysis Center Insurance Coverage Checklist
The coverages a dialysis center 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 dialysis centers and home programs. Priorities reflect typical exposure; confirm against services and patients.
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 patient injuries from treatment, bleeding, and infection. | Core | |
| General Liability | Covers patient and visitor falls at the center. | Core | |
| Commercial Property & Business Income | Covers water systems and machines and lost income during a shutdown. | Core | |
| Equipment Breakdown | Covers sudden failure of water treatment and dialysis machines. | Prevalent | |
| Cyber Liability | Covers ransomware and breaches — one 2025 attack hit 2.7 million people. | Core | |
| Hired & Non-Owned / Commercial Auto | Needed if staff drive or the center arranges patient transport. | Situational | |
| Workers' Compensation | Covers nurses and technicians — including needlesticks. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is cyber business interruption. Dialysis patients can't skip treatments, so a ransomware attack forces paper workflows, overtime, and patient transfers. One 2025 attack cost a provider about $13.5 million in a quarter before lost income. Centers should confirm cyber business interruption and keep tested downtime procedures.
Send us the checklist and we'll review your dialysis center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Dialysis Center Insurance · Dialysis Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a dialysis center business need?
The core coverages for a dialysis center business are Medical Professional Liability, General Liability, Commercial Property & Business Income, Cyber 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 dialysis center 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.