Help the Body Heal. Build the Coverage to Match.
Protecting the clinics offering stem cell, PRP, and exosome therapy
Regenerative medicine clinics — offering stem cell, platelet-rich plasma, exosome, and related therapies — operate in one of the most closely watched corners of healthcare. Much of what these clinics do is considered off-label or involves biologic products the FDA has not approved for the advertised use, which draws enforcement attention, patient-outcome disputes, and false-advertising scrutiny from the FTC. On the clinical side, every injection carries infection and adverse-reaction risk, and when a regenerative treatment doesn't deliver the improvement a patient expected, the gap between the marketing and the medicine becomes the claim. A standard medical-malpractice policy rarely anticipates any of this.
Insuring a regenerative medicine clinic is about covering a treatment the regulators, the patients, and the market all view differently.
Key Risks in Operations
Malpractice from adverse reactions, infections, and failed-outcome claims
FDA enforcement exposure around unapproved biologics and off-label use
Injection-site infection and contamination from biologic products
False-advertising and health-claim scrutiny from the FTC and state regulators
Product and processing liability for the biologics administered
Informed-consent disputes over experimental or unproven treatment
Regulatory and medical-board investigation exposure
The treatment's regulatory status is itself a central exposure.
Core Coverages
Medical Professional Liability — Covers malpractice claims from treatment, injections, and adverse outcomes — confirm it includes stem cell, PRP, and exosome procedures rather than excluding them.
Product Liability — Responds to claims arising from the biologic products the clinic administers or dispenses.
Regulatory / Licensing Board Defense — Funds defense of FDA, FTC, and medical-board inquiries and investigations.
General Liability — Protects against slips, falls, and other third-party injuries at the clinic.
Cyber & Privacy Liability — Covers breaches of patient health records.
Commercial Property — Covers the clinic, procedure equipment, and refrigerated biologic inventory.
Workers' Compensation, Management Liability, Umbrella / Excess Liability — Round out the program for staff, leadership, and larger limits.
What's Commonly Overlooked
Regenerative medicine programs are often weakened by:
Malpractice coverage that excludes stem cell, exosome, or "experimental" therapies
No product liability for the biologics administered
No regulatory defense for an FDA or FTC inquiry
Health-claim and advertising exposure left unaddressed
Informed-consent and failed-outcome disputes treated as remote
These gaps typically surface at claim time — not before.
An injection leads to an infection or adverse reaction
A patient alleges a regenerative treatment failed to deliver promised results
The FDA or FTC opens an inquiry into treatments or marketing claims
A biologic product is linked to a contamination event
A medical board questions the clinic's protocols
A single enforcement action or outcome claim can halt the practice.
Why Proper Placement Matters
Coverage varies significantly based on:
Therapies offered — stem cell, PRP, exosome, or combinations
Sourcing and handling of biologic products
How treatments and results are marketed
Provider types and informed-consent practices
Regulatory posture and compliance
Improper placement can leave the biologic and regulatory exposures — the heart of the risk — uninsured.
Our Approach
At Cory Washington & Co., we insure regenerative medicine around its real exposures: malpractice written to include the therapies, product liability for the biologics, and regulatory defense for the FDA and FTC scrutiny the field attracts. For adjacent models, see our functional and integrative medicine, medical spa, and IV hydration and wellness clinic pages.
Advance the medicine. We'll match the risk.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a regenerative medicine clinic business may carry — core, prevalent, and situational — plus the gap most often missed, in the Regenerative Medicine Clinic Coverage Checklist.
Complete the Regenerative Medicine Clinic Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get regenerative medicine clinic insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate regenerative medicine clinic insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What does regenerative medicine clinic insurance cost?
Premiums vary from business to business. The main drivers of regenerative medicine clinic insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Is regenerative medicine clinic insurance required?
Requirements vary. Regenerative medicine clinic insurance may be mandated by statute, or required under your contracts, leases, or loan agreements — and in many cases it is simply prudent given the risks involved. We look at your specific obligations and exposures, then recommend the coverage and limits that fit.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.