Regenerative Medicine Clinic Insurance Coverage Checklist
The coverages a regenerative medicine clinic 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 PRP, stem cell, and orthobiologic clinics. Priorities reflect typical exposure for this class; confirm against your actual treatments and products.
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 procedure claims — confirm it does not exclude experimental or stem cell treatments. | Core | |
| Regulatory / Board Defense | Pays lawyers for FDA, FTC, attorney general, and board actions. | Core | |
| General Liability | Covers injuries at the clinic and seminar events. | Core | |
| Workers' Compensation | Covers clinical staff, including needlestick and blood exposure. | Core | |
| Products Liability | Covers biologic products you dispense, especially when the supplier's coverage is thin. | Prevalent | |
| Cyber / Privacy Liability | Covers patient records and financing data. | Prevalent | |
| Business Property / BOP | Covers ultrasound, centrifuges, and cold storage. | Prevalent | |
| Media / Advertising Liability | Covers claims over results promised in ads and seminars. | Prevalent | |
| Directors & Officers / Management Liability | Covers owners and investors in MSO structures. | Situational | |
| Employment Practices Liability | Covers claims from providers and sales staff. | Situational |
The coverage gap most often missed
The gap most often missed by regenerative medicine clinics is an experimental-procedure exclusion. FDA treats most umbilical cord, amniotic, and exosome products as unapproved drugs, and many malpractice policies exclude or limit treatments that are not FDA approved for the use. List every product and use on your application, read the exclusions, and collect each supplier's FDA registration and insurance certificate.
Send us the checklist and we'll review your regenerative medicine clinic coverage line by line, then market it across multiple carriers that compete for your account.
Related: Regenerative Medicine Clinic Insurance · Regenerative Medicine Clinic Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a regenerative medicine clinic business need?
The core coverages for a regenerative medicine clinic business are Medical Professional Liability, Regulatory / Board Defense, General Liability, 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 regenerative medicine clinic 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.