Orthotics & Prosthetics Insurance Coverage Checklist
The coverages an orthotics & prosthetics 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 orthotic and prosthetic clinics, practitioners, and fabrication labs. Priorities reflect typical exposure for this class; confirm against your actual services and payers.
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 |
|---|---|---|---|
| Professional Liability (O&P Practitioners) | Covers fitting errors, skin injuries, and falls tied to your care. | Core | |
| Products Liability | Covers devices you fabricate or modify — you may be treated as the manufacturer. | Core | |
| General Liability | Covers clinic premises injuries. | Core | |
| Workers' Compensation / Employer's Liability | Covers practitioners and lab technicians. | Core | |
| Regulatory / Billing Errors (E&O) | Covers defense of Medicare audits and False Claims Act investigations. | Prevalent | |
| Cyber / Privacy Liability | Covers patient records and HIPAA breaches. | Prevalent | |
| Business Property / Lab Equipment | Covers scanners, printers, ovens, and inventory. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving to hospital and home fittings. | Situational | |
| Employment Practices Liability | Covers claims by staff. | Situational | |
| Umbrella / Excess Liability | Adds limits for serious patient injuries. | Situational |
The coverage gap most often missed
The gap most often missed by O&P providers is billing. Medicare and Medicaid audits and whistleblower suits are common in this class — a Louisiana prosthetics company paid $1.6 million in 2020 — and professional liability policies usually exclude fines, repayments, and False Claims Act defense. Add regulatory or billing errors coverage, and confirm products liability applies to devices you modify or fabricate yourself.
Send us the checklist and we'll review your orthotics & prosthetics coverage line by line, then market it across multiple carriers that compete for your account.
Related: Orthotics & Prosthetics Insurance · Orthotics & Prosthetics Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an orthotics & prosthetics business need?
The core coverages for an orthotics & prosthetics business are Professional Liability (O&P Practitioners), Products Liability, General Liability, Workers' Compensation / Employer's 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 orthotics & prosthetics 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.