Business Insurance for Chiropractors

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Chiropractors face many risks, and could end up defending their practice in court if a client has a complication. Chiropractic insurance can safeguard your small practice from accidental injuries and more.

Man giving a chiropractic adjustment to a patient.
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Insureon helps chiropractors compare insurance quotes from top U.S. carriers with one easy online application.

What types of business insurance do chiropractors need?

These policies provide coverage for the most common chiropractor risks.

Business owner’s policy icon

Business owner’s policy

This policy bundles commercial property and general liability insurance under one plan. A BOP is often the most cost-effective type of commercial insurance for chiropractors.

  • Slip-and-fall accidents
  • Damaged patient property
  • Damaged business property
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Professional liability insurance

This policy, also called chiropractic malpractice insurance, covers legal expenses if a patient sues a chiropractor for an error, such as an adjustment that aggravates a back injury.

  • Failure to deliver promised results
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability 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.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

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. Chiropractors’ insurance can cover lawsuits, equipment damage, and help you adhere to your state's occupational injury laws.

How much does insurance cost for chiropractors?

Healthcare professional below a thought bubble with a dollar sign.

Several factors will have an impact on insurance costs, including:

  • Chiropractic services offered, such as youth or senior care
  • Equipment and property
  • Revenue
  • Location
  • Number of employees
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