Ketamine & Psychedelic Therapy Clinic Insurance Coverage Checklist
The coverages a ketamine & psychedelic therapy 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 ketamine, Spravato, and psychedelic-assisted therapy clinics. Priorities reflect typical exposure for this class; confirm against your actual services 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 ketamine, at-home programs, and psilocybin are named covered services. | Core | |
| Abuse & Molestation Liability | Covers misconduct allegations from patients in altered states, often excluded from malpractice. | Core | |
| Regulatory / DEA & Board Defense | Pays lawyers for DEA, board, and attorney general investigations. | Core | |
| General Liability | Covers falls and injuries at the clinic, including patients leaving while impaired. | Core | |
| Workers' Compensation | Covers clinical staff, including needlesticks and patient agitation. | Core | |
| Cyber / Privacy Liability | Covers mental health records and telehealth data, which carry extra privacy protection. | Prevalent | |
| Employment Practices Liability | Covers claims from clinicians, therapists, and facilitators. | Prevalent | |
| Business Property / BOP | Covers infusion pumps, monitors, and furnishings. | Prevalent | |
| Media / Advertising Liability | Covers claims over outcome promises and testimonials in marketing. | Situational | |
| Directors & Officers / Management Liability | Covers owners and investors in MSO structures. | Situational |
The coverage gap most often missed
The gap most often missed by ketamine and psychedelic clinics is abuse and molestation coverage. Patients are sedated or in altered states, and many malpractice policies exclude or sharply limit sexual misconduct claims. Ask whether your policy covers abuse allegations, confirm at-home ketamine and psilocybin services are listed as covered, and keep a written chaperone policy.
Send us the checklist and we'll review your ketamine & psychedelic therapy clinic coverage line by line, then market it across multiple carriers that compete for your account.
Related: Ketamine & Psychedelic-Assisted Therapy Clinic Insurance · Ketamine & Psychedelic Therapy Clinic Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a ketamine & psychedelic therapy clinic business need?
The core coverages for a ketamine & psychedelic therapy clinic business are Medical Professional Liability, Abuse & Molestation 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 ketamine & psychedelic therapy 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.