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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.
Find affordable coverage
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 an 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
- Damaged 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 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
This policy 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 download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your chiropractic practice, whether you work independently or hire employees.
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