Why is insurance for chiropractors a must?
If a patient says your treatment worsened a condition, the result could be a lawsuit. Business insurance for chiropractors covers costly lawsuits, accidents, fires, and data breaches, giving you financial protection and peace of mind.
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6 insurance policies every chiropractor should consider
Chiropractic centers, healthcare networks, and state laws may require you to carry coverage. These insurance products defend chiropractors against common risks and fulfill the requirements of laws and contracts.
General liability insurance
General liability insurance covers accidental property damage and bodily injuries, such as a patient who trips on a loose rug in your chiropractic office.
- Accidental patient injuries
- Accidental damage to a patient's property
- Advertising injuries, such as copyright infringement
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of business insurance for a chiropractic clinic.
- Slip-and-fall injuries
- Personal injury lawsuits
- Stolen or damaged medical equipment
Professional liability / medical malpractice
This policy protects chiropractors against legal costs related to professional negligence, such as an adjustment that worsens a patient's back pain. It's also called medical malpractice insurance.
- Injuries caused by an adjustment
- Failure to refer a patient
- Documentation errors
Workers' comp insurance
Most states require chiropractic centers that have employees to carry workers' compensation. It also protects sole proprietors against work-related medical bills that health insurance can deny.
- Medical expenses from job-related injuries
- Disability benefits
- Lawsuits from workplace injuries
Cyber insurance
Cyber liability insurance covers costs related to cyberattacks and data breaches. It's strongly recommended for chiropractic practices that store patient information.
- Data breach notifications
- Fraud monitoring services
- Ransomware attacks
Commercial auto insurance
Vehicles owned by a chiropractic clinic must carry commercial auto coverage to comply with state laws. It helps pay for financial losses in an accident, including legal costs and property repairs.
- Auto accident injuries
- Damage caused by your vehicle
- Vehicle theft and vandalism
Chiropractic insurance costs
Here's a quick look at the costs of healthcare business insurance policies. On average, chiropractors who buy policies from TechInsurance pay:
General liability: $37 per month
Business owner's policy: $59 per month
Workers' compensation: $53 per month
Factors that can influence your premiums include:
- Type of chiropractor, such as sports or pediatric care
- Business income
- Number of employees you have
- Value of your business property
- Policy limits and deductibles
- Claims history
Start a free application to see how much insurance will cost for your business.
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Common questions about business insurance for chiropractors
Find answers to frequently asked questions about chiropractor insurance.
Is it mandatory for chiropractors to carry medical malpractice insurance?
State laws sometimes classify chiropractors as physicians and require them to carry malpractice insurance—but that's not the only reason to buy this coverage. Here are a few instances where chiropractors may need to carry a malpractice insurance policy, also called professional liability insurance:
- Your state requires coverage for chiropractors. In some states, malpractice insurance is part of the licensing requirements for chiropractors. The Florida Board of Chiropractic Medicine requires malpractice insurance with a $100,000 per-occurrence limit and a $300,000 aggregate limit. California and Texas, on the other hand, do not require coverage.
- Your employer requires malpractice insurance. Government agencies, healthcare networks, and hospitals and other healthcare facilities often include malpractice insurance in the terms of their contracts. When you're covered, it's less likely that a lawsuit will impact their bottom line.
- It's a critical part of risk management. If you make a mistake or fail to meet the standard of chiropractic care, a patient could file a lawsuit. Without insurance, the costs could devastate your practice. Even if you do everything right, you could still lose a fortune in legal defense costs to a frivolous malpractice claim.
Note that state laws may also require workers’ compensation insurance or commercial auto insurance, depending on how many employees you have and whether your business owns a vehicle.
What other types of insurance do chiropractors need?
Chiropractors sometimes face unique risks that require special protection. Here are a few additional types of coverage you may want to consider:
- Telehealth coverage extends your malpractice insurance to cover accusations of professional negligence related to virtual appointments.
- License defense coverage pays for the cost of fighting accusations that could result in you losing your chiropractic license.
- Needlestick insurance can help with medical costs if you're injured by needles or other sharps, or exposed to blood or other bodily fluids.
- HIPAA defense coverage provides financial assistance if you're accused of a HIPAA violation, such as accidentally releasing a patient's health information.
Do chiropractors need to be licensed?
Yes, chiropractors must be licensed to practice in the United States. However, the licensing requirements vary by state. Depending on where you work, you may need to:
- Be age 21 or older
- Earn a Doctor of Chiropractic (DC) degree from an approved college
- Fill out an application
- Pay an application fee
- Pass the National Board of Chiropractic Examiners (NBCE) exam
- Submit proof of professional liability insurance
- Take continuing education courses
