Hormone Optimization & TRT Clinic Insurance Coverage Checklist
The coverages a hormone optimization & trt 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 testosterone and hormone optimization clinics. Priorities reflect typical exposure for this class; confirm against your actual therapies 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 claims such as clots or strokes from unmonitored therapy — confirm telehealth and pellets are covered. | Core | |
| Regulatory / DEA & Board Defense | Pays lawyers for DEA, board, and FTC investigations of a Schedule III prescribing practice. | Core | |
| General Liability | Covers injuries at the clinic. | Core | |
| Workers' Compensation | Covers staff giving injections and drawing blood. | Core | |
| Cyber / Privacy Liability | Covers patient records and telehealth data. | Prevalent | |
| Employment Practices Liability | Covers claims from providers and staff. | Prevalent | |
| Business Property / BOP | Covers equipment and medication stock. | Prevalent | |
| Media / Advertising Liability | Covers claims over results promised in marketing. | Situational | |
| Directors & Officers / Management Liability | Covers owners, investors, and franchise structures. | Situational |
The coverage gap most often missed
The gap most often missed by TRT clinics is coverage for telehealth across state lines. Malpractice policies may cover only patients in states where the provider is licensed and the policy is written, and DEA rules for remote prescribing of testosterone are in flux as pandemic exemptions wind down. List every state you treat in, confirm telehealth is a covered service, and make sure regulatory defense covers DEA actions.
Send us the checklist and we'll review your hormone optimization & trt clinic coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hormone Optimization & TRT Clinic Insurance · Hormone Optimization & TRT Clinic Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hormone optimization & trt clinic business need?
The core coverages for a hormone optimization & trt clinic business are Medical Professional Liability, Regulatory / DEA & Board Defense, General Liability, 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 hormone optimization & trt 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.