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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.Â
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.
| 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 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
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
Your sonographer general liability insurance will have a typical limit of $1 million per occurrence and $2 million aggregate.Â
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.Â
| 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 |
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
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
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.
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.
Get all the best quotes from leading providers in a click of a button!
| 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 |
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
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
Sonographers will find their commercial property insurance coverage limit to around $60,000.
While there are many perils, the most common involve burglary, fire, window damage, roof damage, and fire damage.
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| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy will combine the coverage from different policies useful for your practice. BOPs include coverage for general liability and commercial property. Examples include:
Burglars stole some equipment, and you need to cover replacements
A member of the public files a copyright infringement claim against your sonographer practice
Cyber liability–This policy will protect your business in the event of a data hack or cyber security breach that causes financial damage
Extra expense coverage–Helps cover extra expenses that you need to get your business up and running after property damage
Commercial crime–Helps you pay for costs associated with dishonest acts your employees commit, like robbery, forgery, and electronic crimes
BOPs have a coverage limit of around $1 million for general liability claims and between $20,000 and $50,000 for commercial property.
No, BOPs will exclude coverage for floods and earthquakes. You will need to buy a specialized policy for these types of coverage.
| 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 |
Tools and equipment insurance 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.
Equipment breakdown–Covers your sonographer equipment from damage resulting from mechanical breakdown or electrical surge
Flood coverage–Helps your sonography get protection from the devastating effects of rising flood waters and water damage
Your tools and equipment insurance policy will cover damage between $5,000 and $20,000.
Workers’ compensation insurance 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
No, workers comp is primarily concerned with protecting employees from lost wages and medical costs. If you don’t have employees qualifying for protection, you don’t need to purchase a workers comp policy.
Texas is the only state in the US that does not require most employers to provide a workers’ comp policy for their employees.
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.
This type of ultrasound liability insurance can only supplement a single policy at a time. If you want a policy that extends coverage for multiple policies simultaneously, get umbrella insurance.
| 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. Here’s a table showing the cost of a $1 million general liability coverage from the best sonographer insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $15 | $180 | Best overall; Fastest general liability insurance for sonographers |
| The Hartford | $19 | $228 | Workers compensation insurance for sonographers |
| CoverWallet | $23 | $276 | Comparing sonographer insurance quotes online |
| Tivly | $25 | $300 | Comparing sonographer insurance quotes over the phone |
| Thimble | $28 | $336 | Short-term term general liability insurance for sonographers |
| Hiscox | $31 | $372 | Sonographer insurance with worldwide coverage |
| AAPA | $34 | $408 | Malpractice coverage for sonographers |
Get all the best quotes from leading providers in a click of a button!
Here are the insurance companies to consider. Read the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.Â
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 policiesÂ
Couldn’t find anyÂ
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.
Best for: Best overall; Fastest general liability insurance for sonographers
Average cost: $15 per month
Our rating: 10/10Â
Get a discount for commercial auto insurance if you’re an AARP member
Track claims online
Renowned company for workers compensation insurance
Limited add-ons to general liability insurance
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, workers comp, and business owner’s policy.
Best for: Workers compensation insurance for sonographers
Average cost: $19 per month
Our rating: 10/10Â
The online platform makes it easy to compare insurance policies
HNOA coverage automatically included in general liability insurance
Easy online policy management
Need to call to get a quote
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. However, the best way to get covered is to use this company’s online platform. This allows you to compare quotes from different companies quickly.Â
Best for: Comparing sonographer insurance quotes online
Average cost: $23 per month
Our rating: 10/10Â
A rating from the Better Business Bureau
Compare quotes over the phone
Updating your insurance policy is easy
You need to talk to a representative for a quote
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. Call now to compare quotes over the phone.Â
Best for: Comparing sonographer insurance quotes over the phone
Average cost: $25 per month
Our rating: 10/10
A streamlined process that asks you fewer questions
Scalable insurance policies
Purchase general liability insurance as a short-term policy
A simplified insurance process can be a downside sometimes
Thimble is your go-to insurer for getting coverage as quickly as possible. They 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 which gives you confidence in their ability to protect your sonographer practice. They offer malpractice insurance that covers your legal expenses and medical damages.
Best for: Short-term term general liability insurance for sonographers
Average cost: $28 per month
Our rating: 10/10Â
General liability coverage for health professionals
Worldwide coverage
14-day money-back guarantee
Some policies are only offered to businesses with less than ten employees
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. Nonetheless, remember that Hiscox offers online quotes. And so, it’s possible to purchase a policy without calling an agent.Â
Best for: Sonographer insurance with worldwide coverage
Average cost: $31 per month
Our rating: 10/10Â
Comprehensive malpractice insurance
AAPA members receive 10% discounts
Only available to members
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.
Best for: Malpractice coverage for sonographers
Average cost: $34 per month
Our rating: 10/10Â
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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