Direct Primary Care & Concierge Medicine Insurance Coverage Checklist
The coverages a direct primary care & concierge medicine 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 direct primary care and concierge medicine practices. Priorities reflect typical exposure for this class; confirm against your actual membership model and 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 |
|---|---|---|---|
| Medical Professional Liability | Covers missed-diagnosis and treatment claims, including phone, text, and telehealth advice. | Core | |
| General Liability | Covers injuries at the office and on home visits. | Core | |
| Regulatory / Billing Defense | Pays lawyers if a state insurance department or Medicare questions your membership model. | Core | |
| Cyber / Privacy Liability | Covers patient records, texting platforms, and membership payment data. | Core | |
| Workers' Compensation | Covers physicians and staff. | Core | |
| Business Property / BOP | Covers equipment, dispensed-medication stock, and lab supplies. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Hired & Non-Owned Auto | Covers physicians driving their own cars to home visits. | Prevalent | |
| Products Liability | Covers medications and supplies you dispense. | Situational | |
| Business Income | Covers lost membership revenue if the office cannot open. | Situational |
The coverage gap most often missed
The gap most often missed by membership practices is regulatory defense. Some states treat membership medicine as insurance unless it meets a specific exemption, and Medicare can impose penalties and exclusion if enrolled physicians charge members for covered services. A standard malpractice policy may not pay to defend these investigations. Ask about billing and regulatory defense coverage, and have your membership agreement reviewed by a health care attorney.
Send us the checklist and we'll review your direct primary care & concierge medicine coverage line by line, then market it across multiple carriers that compete for your account.
Related: Direct Primary Care & Concierge Medicine Insurance · Direct Primary Care & Concierge Medicine Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a direct primary care & concierge medicine business need?
The core coverages for a direct primary care & concierge medicine business are Medical Professional Liability, General Liability, Regulatory / Billing Defense, Cyber / Privacy 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 direct primary care & concierge medicine 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.