Urologist Insurance Coverage Checklist
The coverages an urologist 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 urology practices and urology ancillaries. 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 urologist for surgery, biopsy, and diagnosis claims. | Core | |
| Entity / Group Professional Liability | Covers the practice, including results communicated by staff and APPs. | Core | |
| Cyber / Privacy Liability | Covers patient records and pathology results. | Core | |
| Business Owner's Policy / Property | Covers office procedure rooms and scopes. | Prevalent | |
| Workers' Compensation | Covers nurses and techs. | Prevalent | |
| Ancillary Entity Coverage | Covers lithotripsy partnerships and owned labs or imaging. | Prevalent | |
| Regulatory / Billing E&O | Covers Stark and payer audits tied to ancillaries. | Prevalent | |
| Employment Practices Liability | Covers claims from staff. | Prevalent | |
| Equipment Breakdown | Covers robots, lasers, and lithotripters. | Situational | |
| Products Liability | Needed if you dispense compounded or retail products. | Situational |
The coverage gap most often missed
The gap most often missed by urologists is liability for results passed along by staff and APPs, and for owned ancillaries. A 2024 vasectomy suit centers on a staff member reporting a positive sample as negative, and claims like that land on the practice. Confirm the entity has its own limits, employed staff are covered, and any lithotripsy partnership or owned lab carries separate coverage.
Send us the checklist and we'll review your urologist coverage line by line, then market it across multiple carriers that compete for your account.
Related: Urologist Insurance · Urologist Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an urologist business need?
The core coverages for an urologist 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 urologist 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.