Oncologist Insurance Coverage Checklist
The coverages an oncologist 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 medical and radiation oncology practices with in-office infusion. 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 oncologist for treatment, medication, and diagnosis claims. | Core | |
| Entity / Group Professional Liability | Covers the practice, infusion nurses, and pharmacy staff. | Core | |
| Cyber / Privacy Liability | Covers patient records and treatment planning systems. | Core | |
| Commercial Property & Equipment Breakdown | Covers infusion suites, linacs, and drug inventory. | Core | |
| Workers' Compensation | Covers staff exposed to hazardous drugs and radiation. | Core | |
| Pollution Liability | Covers cytotoxic drug spills and contamination, which other policies exclude. | Prevalent | |
| Spoilage / Drug Inventory | Covers costly drugs lost to refrigeration failure. | Prevalent | |
| Regulatory / Billing E&O | Covers buy-and-bill drug reimbursement audits. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Clinical Trials Liability | Needed if you enroll patients in studies. | Situational |
The coverage gap most often missed
The gap most often missed by oncology practices is hazardous drug exposure. Malpractice policies cover patient injury from care, but a cytotoxic spill, contamination of a neighboring space, or chronic staff exposure under USP <800> falls outside them, and the general liability pollution exclusion usually bars it too. Add pollution coverage and confirm workers' compensation reflects hazardous drug handling.
Send us the checklist and we'll review your oncologist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Oncologist Insurance · Oncologist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an oncologist business need?
The core coverages for an oncologist business are Medical Professional Liability, Entity / Group Professional Liability, Cyber / Privacy Liability, Commercial Property & Equipment Breakdown, 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 oncologist 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.