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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 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:
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 |
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:
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:
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 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 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.
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 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:
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
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
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
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Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
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Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
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Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
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Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
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John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
Decent experience with Hiscox business insurance
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Coolest concept, I wish this was applied to other insurance products too.
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It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
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