Orthopedic Surgeon Insurance Coverage Checklist
The coverages an orthopedic surgeon 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 orthopedic surgery practices and physician-owned ASCs. 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 surgeon — limits should fit spine and joint severity. | Core | |
| Entity / ASC Professional Liability | Covers an owned ASC with its own limits. | Core | |
| Regulatory / Billing E&O | Covers medical-necessity, False Claims Act, and Stark / anti-kickback defense. | Core | |
| Cyber / Privacy Liability | Covers patient records — ortho groups have faced breach class actions. | Core | |
| Commercial Property & Equipment Breakdown | Covers imaging, surgical equipment, and implant inventory. | Prevalent | |
| Workers' Compensation | Covers clinical, imaging, and office staff. | Prevalent | |
| Employment Practices Liability | Covers claims from staff and APPs. | Prevalent | |
| Directors & Officers Liability | Covers owners of large or PE-backed groups. | Prevalent | |
| Medical Director E&O | Covers administrative duties at an ASC. | Situational | |
| Products Liability | Needed if you sell braces or own a distributorship. | Situational |
The coverage gap most often missed
The gap most often missed by orthopedic surgeons is regulatory and billing defense. Medical-necessity, False Claims Act, and Stark or anti-kickback investigations are usually excluded from or sublimited under malpractice policies, and 2026 spine cases included a $3.7 million unnecessary-surgery settlement and a device kickback plea. Spine surgeons and ASC owners with device ties should carry a dedicated regulatory policy with meaningful limits.
Send us the checklist and we'll review your orthopedic surgeon coverage line by line, then market it across multiple carriers that compete for your account.
Related: Orthopedic Surgeon Insurance · Orthopedic Surgeon Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an orthopedic surgeon business need?
The core coverages for an orthopedic surgeon business are Medical Professional Liability, Entity / ASC Professional Liability, Regulatory / Billing E&O, 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 orthopedic surgeon 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.