A fertility practice carries exposures a generic medical policy was never written for. Insure Fertility places coverage around the ones that actually end up in claims: the tank, the records, and the standard of care.
Procedure mix, clinician count, whether the lab and storage run in house, and current storage volumes. The program follows what the clinic actually does, not a generic medical template.
Tank failure claims are brought by patients over lost specimens, and a standard property form covers the tank rather than what was inside it. We check that language before binding, not after a loss.
Landlords, hospital affiliations, and referral agreements all ask for proof of coverage. Standard certificates issue in minutes through the portal, with no per-certificate fee.
A fertility program usually combines medical professional liability for the clinicians and the entity, property and general liability for the facility, cryostorage coverage for stored specimens, cyber for patient and genetic data, and workers compensation. The mix depends on which procedures the practice performs in house and which it refers out. Coverage is subject to underwriting.
Usually not in the way a practice expects. A standard property form covers the tank as equipment, not the value of what was inside it, and the claims that follow a tank failure are brought by patients over lost embryos or oocytes. That exposure is addressed by specific cryostorage and professional liability wording, which is why we read the form before binding rather than after a loss.
Carriers look at procedure mix and volume, the number and specialty of the clinicians, whether the lab is operated in house, storage counts, consent and chain-of-custody practices, and prior claims. Two practices with similar revenue can price very differently based on the lab and storage profile alone.
Yes. Lab operations and specimen storage are the parts of a fertility program most often underinsured, so they are scoped explicitly rather than assumed into the general policy. Terms vary by carrier and by state.
This site is an outreach desk of Delegance LLC, a licensed commercial insurance brokerage (NPN 21282686).
Insure Fertility is an outreach desk of Delegance LLC, a licensed commercial insurance brokerage. We write to fertility and reproductive medicine practices whose public information suggests their program may not reflect how the clinic actually operates.
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