Industry guide
Workers’ Comp Insurance for Cardiology & Pulmonary Practices
Workers’ compensation for cardiology & pulmonary practices addresses employees’ work-related injuries and illnesses, not patient malpractice claims. Infectious exposure during respiratory testing and strain moving diagnostic equipment and assisting patients are relevant employee exposures. Provident Financial Group reviews your actual services, payroll and work locations with available carriers; eligibility and classification depend on state rules and underwriting.
Workers' comp for cardiology & pulmonary practices
Non-invasive consultation, diagnostic testing and invasive cardiology procedures do not create identical employee work. Pulmonary testing also involves close patient contact. Explain whether tests occur in the practice, a hospital or a separately operated procedure center.
List consultation, stress testing, respiratory testing and invasive services separately where offered. Specify whether employees operate imaging equipment, assist procedures or move equipment between locations. A practice employing hospital-assigned staff should identify those facilities alongside its own offices.
Specialties and employee roles
- Cardiology (Non-Invasive)
- Cardiology (Invasive)
- Pulmonary Medicine
How workers' comp classification is determined
No workers’ compensation code is assigned from a specialty label alone. The agent reviews employee duties, procedures, facility type, payroll and the state’s classification rules. Provide any existing policy codes for review; supervision and malpractice-style coverage-amount categories do not establish a workers’ compensation classification.
Common exposures
- Infectious exposure during respiratory testing
- Strain moving diagnostic equipment and assisting patients
- Sharps and radiation exposure where invasive procedures are performed
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Information reviewed for classification and quoting
Payroll, applicable classifications, operating states and loss experience may affect premium. The operational details below help describe the business; they are not promises of a surcharge, discount or separate rating factor.
- Non-invasive testing versus invasive procedures
- Employee assignments across offices and hospitals
- Payroll, operating states and applicable classification
- Prior claims and experience modification, when applicable
Coverage notes
- Employee work-related injury and illness coverage is separate from patient malpractice liability.
- Owner inclusion and employee or contractor status require state-specific review.
- Disclose all employee work locations and outside-facility assignments.
What to prepare for a quote
- Services performed: non-invasive testing versus invasive procedures.
- Work arrangements: employee assignments across offices and hospitals.
- Employee headcount and annual payroll by duties and work location.
- Existing policy, renewal date and prior loss runs, if available.
- Business name, contact name, email, phone and full business address; Federal EIN is optional.
Eligibility
Frequently asked questions
Do invasive and non-invasive cardiology need the same description?
No. Describe invasive procedures, imaging equipment and assisting staff separately from consultations or non-invasive testing. The carrier reviews the actual operation and state classification rules, not just the cardiology title.
What information helps quote workers’ comp for cardiology & pulmonary practices?
Prepare employee payroll and headcount by duty and location, your operations description, and prior policy and loss information if available. For this business, specifically explain non-invasive testing versus invasive procedures and employee assignments across offices and hospitals. Business and contact details are required by the quote form; EIN is optional.
Can a business owner be included in workers’ compensation coverage?
Owner inclusion or exclusion depends on the state, entity type and policy rules. Identify ownership and whether the owner performs clinical or administrative work. Do not assume a professional license automatically includes the owner as an insured employee.
Does workers’ comp for cardiology & pulmonary practices replace malpractice coverage?
No. Workers’ compensation addresses eligible employee work-related injuries and illnesses under state law. Medical malpractice addresses claims about professional patient care. They are separate coverages; neither should be represented as a substitute for the other.
Last reviewed · Reviewed by Provident Financial Group licensed agents
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states