Obstetrician Insurance Coverage Checklist
The coverages an obstetrician 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 obstetric practices, including midwife-supervising groups. 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 obstetrician — limits should fit birth injury verdicts. | Core | |
| Midwife & APP Coverage | Schedules CNMs and APPs with their own limits so they don't erode the physician's. | Core | |
| Entity / Group Professional Liability | Covers the practice itself, with its own limits. | Core | |
| Tail / Extended Reporting Coverage | Covers claims for injured infants filed years after delivery. | Core | |
| Cyber / Privacy Liability | Covers patient records and fetal monitoring data. | Prevalent | |
| Business Owner's Policy / Property | Covers the office, ultrasound, and equipment. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Employment Practices Liability | Covers claims from staff and APPs. | Prevalent | |
| Regulatory / Board Defense | Covers licensing board complaints. | Situational | |
| Birth Center / Out-of-Hospital Coverage | Needed if you attend or back up births outside a hospital. | Situational |
The coverage gap most often missed
The gap most often missed by obstetricians is coverage for certified nurse midwives and APPs. Midwife involvement appeared in 17% of obstetric claims but 25% of indemnity, and when CNMs are not scheduled with their own limits they erode the physician's limit or go uncovered. A related gap is tail coverage: claims for injured infants can arrive many years later, up to age 22 in Illinois. Schedule every CNM and APP and confirm tail coverage on any departure.
Send us the checklist and we'll review your obstetrician coverage line by line, then market it across multiple carriers that compete for your account.
Related: Obstetrician Insurance · Obstetrician Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an obstetrician business need?
The core coverages for an obstetrician business are Medical Professional Liability, Midwife & APP Coverage, Entity / Group Professional Liability, Tail / Extended Reporting Coverage. 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 obstetrician 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.