Functional & Integrative Medicine Insurance Coverage Checklist
The coverages a functional & integrative 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 functional, integrative, and longevity medicine practices. Priorities reflect typical exposure for this class; confirm against your actual therapies, staff, and states.
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 treatment claims — confirm it does not exclude compounded drugs, peptides, or pellets. | Core | |
| General Liability | Covers slips, falls, and other injuries at the clinic. | Core | |
| Regulatory / Licensing Board Defense | Pays lawyers for board complaints and investigations, which often come before lawsuits. | Core | |
| Workers' Compensation | Covers staff giving injections and IVs (needlesticks) and other workplace injuries. | Core | |
| Products Liability | Covers supplements and products you sell, especially under your own label. | Prevalent | |
| Cyber / Privacy Liability | Covers patient health records, lab results, and telehealth data. | Prevalent | |
| Employment Practices Liability | Covers claims from staff, including providers and coaches. | Prevalent | |
| Business Property / BOP | Covers equipment, refrigerated drugs, and supplement inventory. | Prevalent | |
| Directors & Officers / Management Liability | Covers owners and investors in MSO or multi-owner structures. | Situational | |
| Media / Advertising Liability | Covers claims over website, social media, and influencer marketing. | Situational |
The coverage gap most often missed
The gap most often missed by functional and integrative medicine clinics is an exclusion in the malpractice policy itself. Many policies exclude compounded substances, and the treatments these clinics are known for — compounded hormones and pellets, peptides, compounded GLP-1s, and chelation — sit in that zone while FDA rules are still changing. Read the exclusions and the definition of covered services, list every therapy you offer on the application, and confirm board-complaint defense is included.
Send us the checklist and we'll review your functional & integrative medicine coverage line by line, then market it across multiple carriers that compete for your account.
Related: Functional & Integrative Medicine Insurance · Functional & Integrative Medicine Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a functional & integrative medicine business need?
The core coverages for a functional & integrative medicine business are Medical Professional Liability, General Liability, Regulatory / Licensing Board Defense, 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 functional & integrative 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.