Chiropractic Malpractice Insurance: Cost & Quotes

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Updated: March 27, 2025 . 6 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Chiropractic treatment brings immediate relief for musculoskeletal illnesses that modern medicine finds difficult to treat. This is why there’s a growing number of people who opt to get it instead. 

However, Chiropractors are not medical doctors and can cause injuries to clients. That’s why they need chiropractic malpractice insurance.

Chiropractor Liability Insurance

Chiropractor liability insurance is a collective term for different policies that protect a chiropractor from lawsuits and their cost. Carriers offer basic protection to chiropractic care professionals by offering the following chiropractors liability insurance policies:

General Liability Insurance

Chiropractors have legal liability if the patient can prove that treatment resulted in injuries and other damages. For this reason, those who provide chiropractic care should have general liability insurance as a shield. 

This liability insurance for chiropractors offers $1 million up to $2 million coverage. The chiropractor can pay for attorney fees, other legal costs, and compensation for the damages to the victim.

According to research published in 2015, the likelihood of injuries because of chiropractic treatment is 40 per 100,000 patients. 

Here’s a table showing the exact injuries some patients have experienced because of chiropractic treatment as well as the cost:

Possible Injuries Because of Chiropractic Care Settlement Cost in The Event of a Lawsuit
Anterior dislocation of atlas and fracture of odontoid axis $105,217
Posterior rib fracture $75,000
Loss of consciousness due to physical trauma $127,000
Neck injury $35,000
Leg injury $115,000
Quadriplegia and paraplegia $1,000,000

Chiropractor Professional Liability Insurance

Professional negligence lawsuits are another exposure that chiropractors have to cover with insurance. Chiropractors paying hefty sums after losing negligence lawsuits have already happened. 

Chiropractic professional liability insurance provides $1 million up to $2 million for the cost of attorney fees, other legal costs, and compensation. 

The coverage of professional liability insurance for chiropractors kicks in when a client holds a chiropractor responsible for:

  • Not having the adequate experience and knowledge required for the proper practice and execution of chiropractic care
  • Possessing chiropractic skill or ability lower than what’s possessed by the usual chiropractic expert
  • Even though having knowledge and skill, fails to use the said skill and knowledge to provide the adequate service every patient needs

Chiropractic Malpractice Insurance

Chiropractor malpractice insurance functions to provide protection against unique risks associated with the delivery of chiropractic treatment. In actuality, malpractice insurance for chiropractors provides coverage for:

  • Lawsuits against chiropractors accusing them of incompetence resulting in bodily injuries of the patient
  • Lawsuits resulting from improper diagnosis and failure to ask for the expressed consent of the patient before carrying out treatment
  • Lawsuits arising from the delivery of substandard chiropractic treatment
  • Lawsuits resulting from patient discrimination based on culture, ethnicity, race, or color

Business Owners Policy for Chiropractors

General liability and professional liability insurance for chiropractors aren’t enough as exposures chiropractors face aren’t only limited to lawsuits from clients. And so, carriers offer chiropractic business insurance having a business owner’s policy.

 A business owner’s policy bundles chiropractic liability insurance (commercial general liability insurance and professional liability insurance) with commercial property insurance.

Commercial property insurance in business owners policy for chiropractors provides protection from the following exposures:

Equipment Breakdown

Equipment breakdown coverage will help a chiropractor pay for the replacement or repair cost of a chiropractic table, computer, electrodermal screening device, television, wobble chair, traction unit, and more. Without this chiropractors insurance coverage, equipment breakdown might incur a loss amounting to $50,000 – $100,000. 

Business Property Damage

Business property damage coverage is included in commercial property insurance and will account for the cost of fires, heavy winds, and hail. Through a business property damage coverage, a chiropractor can get money to pay for the repair or replacement of damaged building structures. 

Can Chiropractors Get Insurance for Sexual Harassment?

Chiropractic care often involves touching a client’s body part. Sometimes, patients that don’t understand how the treatment works can perceive the process as sexual harassment. 

For this reason, carriers offer stand-alone sexual harassment insurance or sexual harassment coverage in employer’s practices liability insurance. 

Employer’s practices liability insurance has sexual harassment coverage which kicks in if a chiropractor faces allegations of sexually harassing assistants. 

 For sexual harassment lawsuits, employment practices liability insurance provides $100,000 up to $500,000  to the policyholder. 

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How Much Does Chiropractic Malpractice Insurance Cost

  • Chiropractors pay $52 a month or $624 a year for a $1 million general liability coverage
  • The chiropractic insurance cost for a business owner’s policy having general liability coverage and commercial property coverage is $85 a month or $780 a year
  • Employer practices liability insurance with sexual harassment coverage is $47.41 a month $569 a year
  • Stand-alone sexual harassment insurance for chiropractors is $45 a month or $540 a year.

How Much Is Malpractice Insurance for Chiropractors

Generally, malpractice insurance for chiropractors cost is $230 a month or $2,760 a year for a $1 million coverage. We can also determine the average chiropractic malpractice insurance cost based on the type of chiropractor who wants to get insured, and so:

  • The average cost of malpractice insurance for chiropractors, who specialize in subluxation and spinal structure treatment, is $250 a month or $3,000 a year for a $1 million malpractice insurance
  • Musculoskeletal chiropractors pay $255 a month or $3,060 a year for a $1 million malpractice insurance

Best Chiropractic Malpractice Insurance Companies

CoverWallet

CoverWallet , with its partners, offers the best coverage for chiropractic professionals. The company offers general liability insurance, professional liability insurance, as well as business insurance policies.

 It even has malpractice insurance which can be bundled with other policies. Try coverwallet if you’re looking for trusty chiropractic malpractice insurance companies.

Insuranks rating: 10/10

Average cost:$39 per month 

Pros

  • Allows you to compare quotes
  • Chiropractic malpractice insurance reviews always include CoverWallet as a solid option
  • Very cheap and stable rates
  • Easy online policy management

Cons

  • Not an insurance carrier but a broker offering the products of its partners to clients

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Hiscox 

This is a British insurance company with a lot to offer. You will get a comprehensive chiropractic insurance policy under Allied Healthcare Insurance. 

This policy covers several claims; they include Business Owner’s Policy, Worker’s Compensation Insurance, and Professional Liability Insurance. 

This insurance policy is very comprehensive and vital for your chiropractic business.

Insuranks rating: 9.5/10

Average cost:$55 per month 

Pros

  • Provides extensive coverage
  • You can access it in any state
  • Quick claim responsiveness

Cons

  • It is expensive

Chirosecure

Chirosecure is an insurance company that focuses on satisfying the insurance needs of chiropractors. It covers both individual and established chiropractic businesses. Chirosecure prides itself in offering affordable malpractice insurance options at moderate rates.

Insuranks rating: 8/10

Average cost:$35 per month 

Pros

  • Comprehensive coverage
  • Affordable
  • Ideal for freelance chiropractors

Cons

  • Responding to claims can be slow

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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