Malpractice insurance for ketamine and Spravato clinics
Short answer: Ketamine and Spravato clinics need coverage that names the services they actually provide. Look for professional liability for each prescriber and the entity, cover for every staff member who gives or monitors treatment, and a policy that lists ketamine, esketamine and the routes you use. Get it confirmed in writing.
Malpractice insurance for a ketamine clinic has to cover in-office drug administration, patient monitoring and sometimes off-label use. Getting coverage right starts with describing your services accurately to the carrier.
Why do ketamine clinics need different coverage?
- Ketamine and esketamine are controlled substances that require secure handling and records.
- Spravato is given under a restricted program with specific setting and monitoring requirements.
- IV or intramuscular ketamine for depression is commonly used off label.
- Patients need monitoring after treatment and a safe way home.
- Many clinics combine medical, nursing and therapy staff under one roof.
What coverage should a ketamine clinic review?
- Professional liability for each prescriber and for the entity
- Coverage for nurses and other staff who administer or monitor treatment
- Medical director or collaborating physician coverage, if those roles are separate
- General liability for the premises
- Cyber liability for client data
- Directors and officers coverage if you have investors or a board
What should you ask before you buy?
- Does the policy specifically list ketamine, esketamine and the routes you use?
- Are off-label uses covered?
- Are all staff who administer or monitor treatment covered?
- Is it claims-made or occurrence, and what will tail coverage cost?
- Are telehealth visits and patients in other states covered?
- Are there exclusions for psychedelic or investigational treatments?
Claims-made vs occurrence
Occurrence policies cover incidents that happen during the policy period, whenever the claim is filed. Claims-made policies cover claims filed while the policy is active, so you may need tail coverage when you switch carriers or close. For a fuller comparison, see claims-made vs occurrence and what tail coverage costs.
How can you reduce risk and premium?
- Written protocols for screening, consent, dosing, monitoring and discharge
- Documented vital signs and monitoring times
- A transportation plan for every patient
- Emergency equipment and trained staff on site
- Controlled substance logs and secure storage
- Regular chart audits
How does multi-state telehealth change coverage?
If your clinicians see patients by telehealth in several states, confirm the policy covers each state and each clinician's licensure. Entity coverage should match how your MSO and clinical entities are structured. More detail is in telehealth malpractice across several states.
Frequently asked questions
Will my existing psychiatry policy cover ketamine?
Not necessarily. Ask your carrier in writing and list the exact services and routes.
Do therapists in the clinic need separate policies?
Often each clinician needs coverage, either individually or through a group policy that names them.
When should we review coverage?
At least 90 days before renewal, and any time you add a service, state or location.
Does a ketamine clinic need cyber or D&O coverage?
Often, yes. Cyber liability protects the client data your clinic holds, and directors and officers coverage matters once you have investors or a board.
How Bulwark helps
Bulwark reviews coverage for telehealth groups and interventional psychiatry clinics and places it through a licensed partner agency. Request a coverage review.
Insurance products are offered through a licensed partner agency. Coverage is subject to underwriting.
Sources checked October 7, 2026. Re-check carrier answers before you buy.