Home Infusion Therapy Insurance Coverage Checklist
The coverages a home infusion therapy 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 home and alternate-site infusion pharmacies, infusion nursing, and infusion suites. Priorities reflect typical exposure for this class; confirm against your actual services and staff.
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 / Nursing Professional Liability | Covers infusion errors, line infections, and missed reactions by nurses. | Core | |
| Pharmacist Professional & Products Liability | Covers compounding and dispensing errors and contaminated preparations. | Core | |
| General Liability | Covers injuries and property damage in patients' homes and your suite. | Core | |
| Workers' Compensation / Employer's Liability | Covers nurses driving to homes and needlestick exposures. | Core | |
| Hired & Non-Owned Auto | Covers nurses driving personal cars to visits. | Core | |
| Regulatory / Billing Errors (E&O) | Covers defense of Medicare and payer audits. | Prevalent | |
| Cyber / Privacy Liability | Covers patient records and HIPAA breaches. | Prevalent | |
| Abuse & Molestation | Covers allegations against staff in private homes. | Prevalent | |
| Property / Spoilage | Covers refrigerated drugs and pharmacy equipment. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for serious patient injuries. | Situational |
The coverage gap most often missed
The gap most often missed by home infusion providers is who covers the nurse. Pharmacy policies often don't cover nursing in the home, and contracted agency nurses may not be covered by your policy at all — yet the bedside is where errors happen. A Texas family sued an IV provider and its nurse after a rapid in-home infusion led to fatal fluid overload. Confirm professional liability covers employed and contracted nurses, and that nurses driving to visits are covered under auto.
Send us the checklist and we'll review your home infusion therapy coverage line by line, then market it across multiple carriers that compete for your account.
Related: Home Infusion Therapy Insurance · Home Infusion Therapy Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a home infusion therapy business need?
The core coverages for a home infusion therapy business are Medical / Nursing Professional Liability, Pharmacist Professional & Products Liability, General Liability, Workers' Compensation / Employer's Liability, Hired & Non-Owned Auto. 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 home infusion therapy 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.