Geriatric Specialist Insurance Coverage Checklist
The coverages a geriatric specialist 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 geriatric medicine practices and post-acute physicians. 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 physician for care in facilities and the home. | Core | |
| Medical Director E&O | Covers administrative duties for facilities and hospices, often excluded from malpractice. | Core | |
| Entity / Group Professional Liability | Covers the practice and rounding NPs and PAs. | Core | |
| Cyber / Privacy Liability | Covers resident records and telehealth platforms. | Core | |
| Hired & Non-Owned Auto | Covers providers driving between facilities and homes. | Prevalent | |
| Business Owner's Policy / Property | Covers the office and portable equipment. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Regulatory / Billing E&O | Covers Medicare billing audits for facility visits. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Situational | |
| Punitive Damages Coverage | Where state law allows, covers punitive awards in elder-abuse claims. | Situational |
The coverage gap most often missed
The gap most often missed by geriatric specialists is medical director liability. Standard malpractice forms commonly exclude administrative and management services to another organization unless endorsed, and often exclude punitive damages, yet medical directors are routinely named in nursing home suits where elder-abuse claims escape damage caps. Add a dedicated medical director endorsement or policy, and get named-insured status and indemnity under each facility's policy.
Send us the checklist and we'll review your geriatric specialist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Geriatric Specialist Insurance · Geriatric Specialist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a geriatric specialist business need?
The core coverages for a geriatric specialist business are Medical Professional Liability, Medical Director E&O, Entity / Group Professional 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 geriatric specialist 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.