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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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