Sonographer Insurance: Cost & Quotes From $28/mo

Table of contents
1. General Liability Insurance for Sonographers  1.1. Add-Ons of General Liability Insurance for Sonographers1.2. Coverage Limits of General Liability Insurance for Sonographers1.3. What Will Trigger My Sonographer General Liability Insurance?2. Malpractice Insurance for Sonographers2.1. Add-Ons of Malpractice Insurance for Sonographers2.2. Coverage Limits of Malpractice Insurance for Sonographers2.3. How Are Premiums Set for Malpractice Insurance?3. Commercial Property Insurance for Sonographers3.1. Add-Ons of Commercial Property Insurance for Sonographers3.2. Coverage Limits of Commercial Property Insurance for Sonographers3.3. What Are Some of the Most Common Commercial Property Insurance Claims?4. Business Owner’s Policy for Sonographers4.1. Add-Ons of Business Owner’s Policy for Sonographers4.2. Coverage Limits of Business Owner’s Policy for Sonographers4.3. Does My Business Owner’s Policy Automatically Cover Me for Floods and Earthquakes?5. Tools and Equipment Insurance for Sonographers 5.1. Add-Ons of Tools and Equipment Insurance for Sonographers5.2. Coverage Limits of Tools and Equipment Insurance for Sonographers6. Workers Compensation Insurance for Sonographers 6.1. If I Don’t Have Any Employees, Do I Still Need Workers’ Comp?6.2. Are There Any States Where Workers' Compensation Insurance is Not Legally Required?7. Excess Liability Insurance for Sonographers7.1. Can Excess Liability Insurance Supplement More Than One Policy at a Time?8. Sonographer Insurance Cost9. Best Sonographer Insurance Companies9.1. NEXT Sonographer Insurance 9.1.1. Pros 9.1.2. Cons 9.2. The Hartford Sonographer Insurance 9.2.1. Pros 9.2.2. Cons 9.3. CoverWallet Sonographer Insurance 9.3.1. Pros 9.3.2. Cons 9.4. Tivly Sonographer Insurance 9.4.1. Pros 9.4.2. Cons 9.5. Thimble Sonographer Insurance 9.5.1. Pros 9.5.2. Cons 9.6. Hiscox Sonographer Insurance 9.6.1. Pros 9.6.2. Cons 9.7. AAPA Sonographer Insurance 9.7.1. Pros 9.7.2. Cons 

Radiologists aren’t the only medical professionals that allow patients to see what’s going on inside their bodies. Sonographers can do the same too. But instead of X-rays, they use ultrasound technology.  Without sonographers, other physical therapists would find it hard to diagnose conditions in the heart, lungs, and other organs. 

As a sonographer, you must remain vigilant to protect your business from liabilities and other risks. This article will help explain the various insurance policies you need to give yourself peace of mind when the unexpected happens.

General Liability Insurance for Sonographers  

CoverWallet NEXT (Best)Thimble HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included

General liability insurance protects sonographers from third-party liability claims of property damage and bodily injury. Examples of when this sonographer liability insurance coverage can apply include:

  • While a patient waits for an ultrasound exam, they slip and fall on your exam floor.

  • A patient sues your business for slandering them

Add-Ons of General Liability Insurance for Sonographers

If you want to get additional protection for your sonographer practice, consider these add-ons:

  • Employment practices–Helps protect your business if an employee files a suit alleging workplace harassment, discrimination, or wrongful termination

  • Tools and equipment–Adds protection to cover the costs of replacing your damaged or stolen equipment

Coverage Limits of General Liability Insurance for Sonographers

Your sonographer general liability insurance will have a typical limit of $1 million per occurrence and $2 million aggregate. 

What Will Trigger My Sonographer General Liability Insurance?

General liability policies will commonly be occurrence-based policies. This means that you can file a claim anytime so long as the covered peril happened during the policy period. 

Malpractice Insurance for Sonographers

CoverWallet NEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan be included
Deductible $500$500$500$50/$10,000$500

Sonographer malpractice insurance is a policy that protects your business from professional mistakes you or employees make that cause injury. Examples of this coverage include:

  • A patient files a lawsuit against you to seek damages for medical negligence

  • You make a mistake in a diagnosis that causes a condition to get worse

Add-Ons of Malpractice Insurance for Sonographers

You upgrade the malpractice insurance for ultrasound techs through these endorsements:

  • Excess liability–Extends your malpractice insurance coverage limits so you can still get covered even when your policy has run out of coverage for the term

  • Extended reporting for sonographers–This allows you to get extra time to file a claim and have it still covered by your malpractice insurance

Coverage Limits of Malpractice Insurance for Sonographers

The National Institutes for Health estimate that most policies offer a coverage range between $100,000-$300,000 per claim and $1 million to $3 million in aggregate.

How Are Premiums Set for Malpractice Insurance?

Your ultrasound malpractice insurance premiums will be determined by factors like your geographic location, claims history, and risk estimate. Insurers set rates by looking at trends, states, and specialties. Each medical specialty stands on its own for cost, and premiums can be affected by how long it takes for claims to be settled.

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Commercial Property Insurance for Sonographers

CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$340,000$25,000/$500,000$35,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$35,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded

A sonographer insurance policy with commercial property coverage protects your building and any property contained. Example coverages include:

  • Someone accidentally starts a fire in your office, and you need to pay to get repairs

  • A person breaks into your medical office and steals some expensive sonographer equipment

Add-Ons of Commercial Property Insurance for Sonographers

  • Flood insurance–Protects your business against flood waters and other covered events. Many commercial property policies will exclude flood-related causes, so this can be a helpful add-on

  • Earthquake insurance–A valuable pickup for sonographers located in an area with a high risk of earthquake damage

Coverage Limits of Commercial Property Insurance for Sonographers

Sonographers will find their commercial property insurance coverage limit to around $60,000.

What Are Some of the Most Common Commercial Property Insurance Claims?

While there are many perils, the most common involve burglary, fire, window damage, roof damage, and fire damage.