Mediator Insurance Coverage Checklist
The coverages a mediator 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 mediators and mediation firms. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
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 |
|---|---|---|---|
| Mediator Professional Liability (E&O) | Covers defense of bias, process, and confidentiality claims, even where immunity applies. | Core | |
| Disciplinary Proceedings Defense | Covers board grievances, which are more common than lawsuits. | Core | |
| Cyber / Privacy Liability | Covers confidential mediation briefs and settlement data. | Core | |
| General Liability | Covers in-person sessions at your office. | Prevalent | |
| Subpoena Response Coverage | Covers counsel to resist subpoenas for your testimony. | Prevalent | |
| Business Owner's Policy | Covers office contents and business income. | Prevalent | |
| Fee Dispute Coverage | Covers fee refund demands, which E&O typically excludes. | Situational | |
| Hired & Non-Owned Auto | Covers travel to off-site mediations. | Situational | |
| Employment Practices Liability | Covers firms with staff or panel neutrals. | Situational | |
| Crime / Funds Transfer Fraud | Covers escrowed settlement funds and retainers. | Situational |
The coverage gap most often missed
The gap most often missed by mediators is disciplinary defense. Successful lawsuits against mediators are almost unheard of, but certifying boards do investigate fees, conflicts, and unauthorized practice of law. Many policies only respond to claims seeking damages, so board proceedings fall outside them. Confirm a disciplinary-defense sublimit that covers non-attorney mediators.
Send us the checklist and we'll review your mediator coverage line by line, then market it across multiple carriers that compete for your account.
Related: Mediator Insurance · Mediator Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a mediator business need?
The core coverages for a mediator business are Mediator Professional Liability (E&O), Disciplinary Proceedings Defense, 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 mediator 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.