Sleep Center Insurance Coverage Checklist
The coverages a sleep center 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 sleep disorder centers, sleep labs, and home sleep testing providers. Priorities reflect typical exposure for this class; confirm against your actual services and staffing.
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 missed or wrong interpretations and overnight medical events. | Core | |
| Abuse & Molestation Liability | Covers misconduct allegations during overnight studies — often excluded or limited. | Core | |
| General Liability | Covers falls and injuries at the lab. | Core | |
| Workers' Compensation | Covers technologists working overnight. | Core | |
| Cyber / Privacy Liability | Covers patient records and overnight video recordings. | Prevalent | |
| Products Liability | Covers CPAP and other equipment you supply. | Prevalent | |
| Business Property / BOP | Covers monitoring equipment and home test devices. | Prevalent | |
| Employment Practices Liability | Covers claims from technologists and staff. | Prevalent | |
| Regulatory / Billing Defense | Pays lawyers for Medicare and payer audits of testing and DME billing. | Situational | |
| Umbrella / Excess Liability | Adds limits over malpractice and general liability. | Situational |
The coverage gap most often missed
The gap most often missed by sleep centers is abuse and molestation coverage. Patients are asleep and alone with a technologist, and in Florida a contract technician was arrested for allegedly touching women during studies. Many malpractice and general liability policies exclude or sharply limit these claims, and staffing companies may carry no coverage at all. Confirm your policy covers abuse allegations, and require staffing firms to name you on theirs.
Send us the checklist and we'll review your sleep center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Sleep Center Insurance · Sleep Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a sleep center business need?
The core coverages for a sleep center business are Medical Professional Liability, Abuse & Molestation Liability, 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 sleep center 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.