Pediatrician Insurance Coverage Checklist
The coverages a pediatrician 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 pediatric practices, including nursery and after-hours care. 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 pediatrician for diagnosis and treatment claims. | Core | |
| Tail / Extended Reporting Coverage | Covers claims for children filed years after care. | Core | |
| Entity / Group Professional Liability | Covers the practice, nurses, and APPs. | Core | |
| Cyber / Privacy Liability | Covers children's health records and portals. | Core | |
| Sexual Misconduct / Abuse Liability | Covers abuse allegations involving staff and patients. | Prevalent | |
| Business Owner's Policy / Property | Covers the office and equipment. | Prevalent | |
| Spoilage | Covers vaccine inventory lost to refrigeration failure. | Prevalent | |
| Workers' Compensation | Covers clinical and office staff. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Situational | |
| Telemedicine / Multistate Coverage | Covers telehealth visits across state lines. | Situational |
The coverage gap most often missed
The gap most often missed by pediatricians is tail coverage. Claims involving children can be filed years later because of minor tolling rules, and in one study about 3% of child claims came more than 10 years after the event. A claims-made policy with a short or missing tail leaves a retiring or departing pediatrician exposed. Confirm the tail is unlimited or long enough for your state's minor deadlines.
Send us the checklist and we'll review your pediatrician coverage line by line, then market it across multiple carriers that compete for your account.
Related: Pediatrician Insurance · Pediatrician Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a pediatrician business need?
The core coverages for a pediatrician business are Medical Professional Liability, Tail / Extended Reporting Coverage, Entity / Group Professional Liability, 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 pediatrician 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.