Pulmonologist Insurance Coverage Checklist
The coverages a pulmonologist 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 pulmonology, critical care, and sleep medicine practices. 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 pulmonologist — limits should fit ICU and missed-cancer severity. | Core | |
| Entity / Group Professional Liability | Covers the practice, sleep lab, or PFT lab with its own limits. | Core | |
| Cyber / Privacy Liability | Covers patient records and tele-ICU platforms. | Core | |
| Business Owner's Policy / Property | Covers bronchoscopy, PFT, and sleep lab equipment. | Prevalent | |
| Workers' Compensation | Covers clinical, sleep tech, and office staff. | Prevalent | |
| General & Products Liability (DME) | Needed if you supply CPAP, oxygen, or other equipment. | Prevalent | |
| Regulatory / Billing E&O | Covers DME certification and payer audits. | Prevalent | |
| Employment Practices Liability | Covers claims from staff and APPs. | Prevalent | |
| Equipment Breakdown | Covers scopes and sleep lab systems. | Situational | |
| Clinical Trials Liability | Needed if you enroll patients in studies. | Situational |
The coverage gap most often missed
The gap most often missed by pulmonologists is a practice-owned sleep lab or DME business. Physician malpractice policies usually exclude products and supplier activity and may not cover the lab entity, and the Philips CPAP recall shows the scale of device claims. Confirm any sleep lab or supply business has its own general, products, and entity professional coverage, and document recall notices to patients.
Send us the checklist and we'll review your pulmonologist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Pulmonologist Insurance · Pulmonologist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a pulmonologist business need?
The core coverages for a pulmonologist business are Medical Professional Liability, 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 pulmonologist 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.