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Why do chiropractors need insurance?
From neck pain to sports injuries, chiropractors help patients with musculoskeletal issues. When something goes wrong during treatment, however, your practice could be on the line. Business insurance covers the costs of lawsuits and accidents, and helps you comply with your state's laws.
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Chiropractors can save money on insurance by comparing quotes from top providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of business insurance do chiropractors need?
These insurance policies cover the most common risks for chiropractors.
General liability insurance
General liability insurance covers basic third-party risks at a chiropractor's office, such as a customer who slips and suffers a bodily injury. It's often required for a commercial lease.
BEST FOR
- Patient slip-and-fall injuries
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
This policy bundles commercial property insurance and general liability coverage under one plan. A BOP is often the most cost-effective type of commercial insurance for chiropractors.
BEST FOR
- Slip-and-fall accidents
- Accidental damage to patient property
- Business property damage and theft
Workers’ compensation insurance
Most states require workers' comp for chiropractic clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
Professional liability insurance covers legal expenses if a patient sues over an error, such as a chiropractic treatment that worsens back pain. It's also referred to as medical malpractice insurance.
BEST FOR
- Chronic pain from a chiropractic adjustment
- Accusations of negligence
- Mistakes in chiropractic care
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a chiropractic center. It helps cover the cost of an accident involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps chiropractic offices survive data breaches and cyberattacks by paying for recovery expenses and more. It can be added to a BOP or general liability policy for savings.
BEST FOR
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
Looking for different coverage? See more policies.
How much does insurance cost for chiropractors?
A small chiropractic clinic will pay less for insurance than a larger business.
Factors that affect premiums include:
- Chiropractic services offered, such as youth or senior care
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get chiropractor insurance?
It's easy to get chiropractic business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and access a certificate
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find the right insurance coverage for your chiropractic practice, whether you work independently or hire employees.
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Common questions about chiropractor insurance
Take a look at frequently asked questions (FAQs) about insurance for chiropractors and more.
Are chiropractors required to get malpractice insurance?
Some states classify chiropractors as physicians, requiring them to carry malpractice insurance. However, this coverage can be beneficial for chiropractors even when not required. Some reasons chiropractors may need to carry a malpractice insurance policy, also called professional liability insurance, include:
- To get a business license. Depending on the state your business operates in, malpractice insurance may be part of the licensing requirements. Such as, chiropractors in Florida must have malpractice insurance with a $100,000 per-occurrence limit and a $300,000 aggregate limit, per the Florida Board of Chiropractic Medicine. Conversely, California and Texas don't require coverage.
- Your employer mandates it. Certain employers may include malpractice insurance in the terms of their contracts, like government agencies, healthcare networks, and hospitals. Their bottom line is less likely to be impacted when you have the right coverage.
- Risk management. Without insurance, legal costs could close your practice. Even if you do everything right, you could still lose a fortune in legal defense costs to a frivolous malpractice claim.
Depending on how many employees you have and whether your business owns a vehicle, you may also be required to carry workers' comp coverage and commercial auto insurance.
What other types of insurance policies should chiropractors get?
Because of the work they do, chiropractors often face unique risks that require special coverage. Some other types of chiropractic insurance you may want to consider for your chiropractic office include:
- Telehealth coverage: This extends your malpractice insurance to cover accusations of professional negligence related to virtual appointments.
- License defense coverage: Should you need to defend your license due to claims of negligence, this will help pay for the cost of fighting accusations.
- Needlestick insurance: This policy can help with medical costs if you're injured by needles or other sharp objects, or exposed to blood or other bodily fluids.
- HIPAA defense coverage: Protects you and provides financial assistance if you're accused of a HIPAA violation, such as accidentally releasing a patient's health information.
Is it mandatory for chiropractors to obtain a license?
Yes. In order to practice in the United States, chiropractors must be licensed.
However, licensing requirements vary by state, county, and city.
Depending on where you work, you may need to fulfill some or all of the following requirements to obtain your chiropractic license:
- 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