Chiropractors Insurance
Protect your practice with comprehensive chiropractors insurance. From malpractice to cyber liability, get tailored coverage that safeguards you from costly legal claims, patient injuries, or data breaches, whether you’re running a solo clinic or a multi-practitioner wellness center.
Choose the right coverage from trusted insurance providers.
Why do chiropractors need insurance?
As a chiropractor, I’ve seen firsthand how helping patients recover from neck pain, sports injuries, and other musculoskeletal issues can be rewarding but also risky. Every treatment carries some level of uncertainty, and one mistake can put your entire practice at risk.
That’s why having business insurance is not just smart, it’s essential. It protects you from the heavy costs of unexpected lawsuits or accidents, and it also helps you comply with your state’s laws. Whether you run a small clinic or a growing wellness center, the right coverage can make all the difference in keeping your career safe.
What types of business insurance do chiropractors need?
These insurance policies cover the most common risks for chiropractors.
Business owner’s policy
A BOP combines general liability and property insurance, offering business owners affordable coverage. Ideal for contractors and construction companies, it protects against injuries, theft, and legal requirements, helping you recover while maintaining peace of mind.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Professional liability / medical malpractice
Also called malpractice insurance, it covers legal costs if a healthcare provider is sued for negligence, causing injury.
Under this plan
Incorrect diagnoses
Accusations of negligence
Mistakes or oversights
Commercial auto insurance
Required in most states for business-owned vehicles, this insurance covers accident costs involving your healthcare business vehicle.
Under this plan
Weather damage
Vandalism and theft
Car accident repair costs
Cyber insurance
Protects healthcare businesses from data breaches and cyberattacks, and can be bundled with a BOP or general liability policy for cost savings.
Under this plan
Fraud monitoring services
Data breach investigations
Customer notification expenses
General liability insurance
General liability insurance protects your business from third-party injuries, lawsuits, or property damage. It’s often needed to meet state or lease requirements, giving contractors and construction companies peace of mind and support to recover from risks like theft or accidents.
Under this plan
Accidental vehicle damage
Customer injuries at a repair shop
Slander and other advertising injuries
Worker’s compensation insurance
Workers’ compensation insurance is required by most state laws for businesses with employees. It covers injuries at work, helps contractors and companies recover from accidents, and provides peace of mind beyond what health insurance may offer.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits over employee injuries
How Much Does Insurance Cost for Chiropractors?
When I opened my first chiropractic clinic, figuring out insurance costs felt overwhelming. But I quickly learned that what you pay depends on several important details. Smaller clinics usually pay less than large-scale operations because business income, location, and the types of insurance purchased all influence the price.
Offering specialized chiropractic services like senior or youth care can also impact your premiums. If you own valuable equipment or a well-developed business property, that too can raise your rates. The final costs will also depend on your policy limits and deductibles, so it’s key to review these factors before choosing a plan.
How Do I Get Chiropractor Insurance?
Getting chiropractor insurance was simpler than I expected when I set up my own practice. All I needed was my company information ready, like revenue and how many employees I had. After filling out a quick application, I could easily compare insurance quotes, choose the right policies, and then pay for the policy to access my certificate of insurance.
What helped most was working with licensed insurance agents who partnered with top U.S. insurance companies. Whether you’re a solo practitioner or managing a team, this step-by-step approach makes protecting your chiropractic business straightforward.
Two ways to start your coverage
Quotes online
Talk to an agent
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FAQ’s about Chiropractor Insurance
In many states, chiropractors are seen as physicians and must carry malpractice insurance, also called professional liability insurance. Even in California or Texas, where it's not mandatory, this insurance is highly recommended.
It’s often needed to get a business license, especially in Florida, where there's a $100,000 per-occurrence and $300,000 aggregate requirement. Your employer, whether a hospital, government agency, or healthcare network, may also require it. Plus, from a risk management point of view, a single legal case could shut down your practice without proper coverage. If your business has employees or uses vehicles, you may also need workers' comp or commercial auto insurance.
Given the unique risks chiropractors face, extra layers of protection are useful. Telehealth coverage can extend your malpractice policy to online care. License defense coverage helps cover legal costs if you're accused of negligence.
If you deal with needles or bodily fluids, needlestick insurance can assist with medical costs. Also, HIPAA defense coverage helps if you’re accused of violating a patient’s privacy.
Yes. To practice in the U.S., chiropractors must be licensed. Requirements vary by state, county, and city, but usually include: being at least 21, earning a Doctor of Chiropractic (DC) degree from an approved school, submitting an application, paying a fee, passing the NBCE exam, showing proof of professional liability insurance, and taking continuing education courses.
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