Ear, Nose & Throat Insurance Coverage Checklist
The coverages an ear, nose & throat 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 otolaryngology practices, including audiology and hearing aid sales. 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 ENT surgeon — limits should fit pediatric airway severity. | Core | |
| Entity / Group Professional Liability | Covers the practice, audiologists, and staff. | Core | |
| Products & Completed Operations Liability | Covers injury from hearing aids and devices you sell. | Core | |
| Cyber / Privacy Liability | Covers patient records and imaging. | Core | |
| Business Owner's Policy / Property | Covers scopes, office CT, and hearing aid inventory. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Regulatory / Billing E&O | Covers payer audits and allergy billing. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Equipment Breakdown | Covers navigation systems and imaging. | Situational | |
| Media / Advertising Liability | Covers claims over facial plastics marketing. | Situational |
The coverage gap most often missed
The gap most often missed by ENT practices is hearing aid sales. Dispensing hearing aids is a product sale, and malpractice policies cover professional services, not injuries from a device itself such as battery burns or a defective unit. FDA's 2022 rule confirms hearing aids are regulated products. Confirm the practice carries general liability with products and completed operations coverage that does not exclude professional activities.
Send us the checklist and we'll review your ear, nose & throat coverage line by line, then market it across multiple carriers that compete for your account.
Related: Ear, Nose & Throat (ENT) Insurance · Ear, Nose & Throat Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an ear, nose & throat business need?
The core coverages for an ear, nose & throat business are Medical Professional Liability, Entity / Group Professional Liability, Products & Completed Operations Liability, 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 ear, nose & throat 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.