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.

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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

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.

BEST FOR

Slip-and-fall accidents
Damaged patient property
Damaged business property

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.

BEST FOR

Failure to deliver promised results
Accusations of negligence
Mistakes or oversights

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for chiropractic clinics that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

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?

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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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