Business Insurance for Chiropractors

Woman having chiropractic back adjustment.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

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.

Chiropractor examining a patient's arm.
Vertical bar chart underneath dollar sign

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 icon

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.

  • Patient slip-and-fall injuries
  • Damaged patient property
  • Libel and other advertising injuries
Business owner’s policy icon

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.

  • Slip-and-fall accidents
  • Damaged patient property
  • Business property damage and theft
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
  • Disability benefits
  • Lawsuits over employee injuries
Medical malpractice icon

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.

  • Chronic pain from a chiropractic adjustment
  • Accusations of negligence
  • Mistakes in chiropractic care
Commercial auto insurance icon

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.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
Cyber insurance icon

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.

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

How much does insurance cost for chiropractors?

A healthcare worker calculating insurance costs.

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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

Find insurance quotes for chiropractors

Save money by comparing quotes from trusted insurance providers.