Gynecologist Insurance Coverage Checklist
The coverages a gynecologist 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 gynecology practices without obstetrics. 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 gynecologist for surgery and diagnosis claims. | Core | |
| Reproductive Health Defense | Covers criminal, regulatory, and board defense that malpractice forms don't. | Core | |
| Entity / Group Professional Liability | Covers the practice and any office surgery suite. | Core | |
| Cyber / Privacy Liability | Covers sensitive reproductive health records. | Core | |
| Business Owner's Policy / Property | Covers the office, ultrasound, and procedure equipment. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Telemedicine / Multistate Coverage | Covers telehealth prescribing across state lines. | Situational | |
| Media / Advertising Liability | Covers claims over cosmetic gynecology marketing. | Situational | |
| Spoilage | Covers embryos and specimens if you offer fertility care. | Situational |
The coverage gap most often missed
The gap most often missed by gynecologists is defense against criminal prosecution and licensing board action tied to reproductive care. Standard malpractice forms respond to bodily injury claims, not prosecutions or board proceedings, and carriers now sell separate reproductive-health defense products for that reason. If you provide family planning, pregnancy loss care, or telehealth prescribing, add dedicated defense coverage.
Send us the checklist and we'll review your gynecologist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Gynecologist Insurance · Gynecologist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a gynecologist business need?
The core coverages for a gynecologist business are Medical Professional Liability, Reproductive Health Defense, 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 gynecologist 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.