Sonographer Insurance: Cost & Quotes

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Updated: March 26, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Sonographers  allow patients to see what’s going on inside their bodies 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. That’s where sonographer insurance comes in. 

General Liability Insurance for Sonographers  

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.

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

CoverWallet  NEXT (Best) Thimble  Hiscox The 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 $1,000,000 $1,000,000 $1,000,000 $1,000,000
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 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included

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. 

Sonographer Malpractice Insurance

Sonographer malpractice and indemnity insurance for sonographers is a policy that protects your business from professional mistakes you or your 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

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.

 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.

CoverWallet  NEXT Thimble (Best) Hiscox The 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? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500

 

Commercial Property Insurance for Sonographers

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

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

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
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 signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded

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Tools and Equipment Insurance for Sonographers 

It protects the equipment you use in your business from damage, even when you use them away from your office. Fire, theft, vandalism, operator error, and upset are covered. 

Your tools and equipment insurance policy will cover damage between $5,000 and $20,000.

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

Workers Compensation Insurance for Sonographers 

It protects your employees when they get injured or ill while on the job. Example situations include:

  • An employee trips over a cart and hurts their neck. As a result, the employee can’t work for a few days
  • One of your employees slips and falls on the floor, requiring surgery to fix

Excess Liability Insurance for Sonographers

Excess liability insurance extends the limits of an underlying sonographer insurance policy. Suppose you have a $1 million general liability policy, and a $2 million bodily injury lawsuit is filed. In this case, you can use excess liability insurance to cover the remaining balance if the trial goes sideways. 

 

Sonographer Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $39 $468 $0-$500
Professional liability insurance $46 $552 $500-$1,000
Excess liability insurance $55 $660 $500-$1,000
Commercial property insurance $70 $840 $1,000-$2,000
Business owner’s policy $100 $1,200 $1,500
Commercial auto insurance $62 $744 $500-$1,000
Tools and equipment insurance $55 $660 $500-$1,000
Workers compensation insurance $97 $1,164 $2,000-$5,000

The average sonogorapher insurance cost is $39 per month or $468 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, annual revenues, and number of employees.

Rank and Review Insurance Companies

Help others make better decisions

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Best Sonographer Insurance Companies

NEXT 

NEXT offers the best selection of sonographer policy components that can keep your business afloat. They have an A- AM Best rating for their financial stability and a B+ from the Better Business Bureau.

Average cost: $15 per month

Our rating: 10/10 

Pros 

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for sonographers
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies 

Cons 

  • Couldn’t find any 

The Hartford 

At The Hartford, you get coverage and quotes with just a few clicks, but you can also call to get personalized help from a representative. They offer useful policies for sonographers like general liability,, and business owner’s policy.

Average cost: $19 per month

Our rating: 10/10 

Pros 

Cons 

  • Limited add-ons to general liability insurance

CoverWallet 

CoverWallet is a digital platform that helps you manage different insurance policies from their partners. Sonographers can consult a CoverWallet consultant to get insurance options like medical malpractice, general liability, and workers’ compensation. 

Average cost: $23 per month

Our rating: 10/10 

Pros 

  • The online platform makes it easy to compare insurance policies
  • HNOA coverage automatically included in general liability insurance
  • Easy online policy management

Cons 

  • Need to call to get a quote

Compare Cheap Sonographer Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Tivly® 

Tivly® has over 200 partners wherein many specialize in the healthcare industry. Sonographers can choose from many policies and providers after starting a call with a representative. 

Average cost: $25 per month

Our rating: 10/10

Pros 

  • A rating from the Better Business Bureau
  • Compare quotes over the phone
  • Updating your insurance policy is easy

Cons 

  • You need to talk to a representative for a quote

Thimble Sonographer Insurance

Thimble focus on getting coverage to you and allow you to define your limits and policy period. Thimble has an excellent A+ rating from the Better Business Bureau. They offer malpractice insurance that covers your legal expenses and medical damages.

Average cost: $28 per month

Our rating: 10/10 

Pros 

  • A streamlined process that asks you fewer questions
  • Scalable insurance policies
  • Purchase general liability insurance as a short-term policy

Cons 

  • A simplified insurance process can be a downside sometimes

Hiscox 

Hiscox offers insurance products that are tailored to your individual needs. Their agents provide a lot of information about the policies available and ensure you get excellent coverage. 

Average cost: $31 per month

Our rating: 10/10 

Pros 

  • General liability coverage for health professionals
  • Worldwide coverage
  • 14-day money-back guarantee

Cons 

  • Some policies are only offered to businesses with less than ten employees

AAPA Sonographer Insurance

AAPA malpractice insurance is a liability policy that protects your sonographer practice from malpractice suits. The policy includes allegations of negligence related to your profession and can help you protect your medical license, personal assets, and your business’s finances.

Average cost: $34 per month

Our rating: 10/10 

Pros 

  • Comprehensive malpractice insurance
  • AAPA members receive 10% discounts

Cons 

  • Only available to members

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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