Fertility & IVF Clinic Insurance Coverage Checklist
The coverages a fertility & ivf clinic 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 fertility and IVF clinics. Priorities reflect typical exposure; confirm against storage 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 claims from retrievals, transfers, and treatment decisions. | Core | |
| Specimen Loss / Bailee Coverage | Covers eggs, sperm, and embryos lost in a tank failure — often excluded. | Core | |
| General Liability | Covers visitor injuries at the clinic. | Core | |
| Commercial Property & Equipment Breakdown | Covers tanks, incubators, and lab equipment. | Core | |
| Cyber Liability | Covers breaches of highly sensitive patient records. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for a mass storage loss affecting hundreds of patients. | Prevalent | |
| Workers' Compensation | Covers clinical and lab staff — including cryogenic burns. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is specimen loss. Malpractice policies may not respond to a tank failure that destroys stored eggs and embryos, and property policies don't cover tissue. One 2018 failure destroyed about 3,500 specimens. Clinics should confirm specimen and bailee coverage, keep remote 24/7 tank alarms, and retire tanks on a schedule.
Send us the checklist and we'll review your fertility & ivf clinic coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fertility & IVF Clinic Insurance · Fertility & IVF Clinic Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fertility & ivf clinic business need?
The core coverages for a fertility & ivf clinic business are Medical Professional Liability, Specimen Loss / Bailee Coverage, General Liability, Commercial Property & Equipment Breakdown, 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 fertility & ivf clinic 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.