liability or malpractice insurance for chiropractors

insurance for chiropractors

Fill out the form below, for a quote on liability insurance for your chiropractic practice.

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Why do chiropractors need insurance?

Chiropractors face unique challenges that require malpractice or liability insurance. This is because a reliance on physical manipulations, exposes them to certain risks and potential lawsuits. Patients can sue chiropractors for malpractice in these key areas.

  1. Treatment-Related Injuries: The most common basis for malpractice claims against chiropractors is injuries resulting from spinal adjustments. Injuries can range from herniated disks to more serious issues like vertebral artery dissection, which could cause a stroke.
  2. Misdiagnosis or Failure to Diagnose. Liability insurance is essential to protect chiropractors against legal action for misdiagnosing a condition or failing to diagnose a serious underlying medical issue. This can lead to a delay in necessary medical treatment, worsening the patient’s condition.
  3. A lack of Informed Consent. Chiropractors must give patients clear and detailed information about the risks of treatments, especially for procedures with high risk. If patients are not properly informed about a medical procedure, the chiropractor may risk malpractice claims.
  4. Failure to Refer. Chiropractors should refer patients to other healthcare providers if their condition is too complex. Patients should also be referred for further testing or treatment. Failure to do so can lead to complications in the patient’s condition and potential legal action.
  5. Improper Technique: Utilizing incorrect or unsafe techniques during chiropractic manipulations can directly cause patient injury. Claims are filed when patients believe that their injury was directly caused by a chiropractor’s improper technique..
  6. Failure to Follow Standard Care Protocols. If chiropractors don’t care for patients properly, they can face legal problems. This is especially true if the patient suffers harm.It’s important to follow the correct procedures when treating patients in chiropractic practice. Failure to do so can lead to legal consequences
  7. Breach of Professional Ethics. Examples of ethical issues in healthcare can include breaches of confidentiality, inappropriate relationships with patients, or unethical business practices. These issues can harm patients and result in malpractice lawsuits.

Malpractice or liability insurance provides financial protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. For chiropractors, this insurance is crucial for mitigating the financial risks associated with their practice.

how much does liability insurance for chiropractors cost?

This cost of liability insurance for chiropractors can vary widely. Thist depends on factors such as location, experience level, services offered, and coverage limits.

Chiropractors often ask - What is the cost of liability insurance?Typically, premiums for chiropractic malpractice insurance can range from $1,000 to $3,000 annually for a standard policy. However, these costs can increase if the chiropractor performs more invasive procedures or if there’s a history of claims.

The cost of a chiropractor’s liability insurance also can vary, depending on other factors. These include your location, the deductible amounts you choose, and any additional coverage you add to your policy. For example, a chiropractor who incorporates other complementary therapies into their practice may face higher insurance costs due to a perceived increase in risk.

Chiropractors in urban areas with higher rates of litigation may experience higher insurance premiums than those in rural areas. Understanding these cost factors helps chiropractors effectively manage their business risks while maintaining professional compliance and safeguarding their practice. Contact us today for a quote.

what types of insurance do chiropractors need?

General Liability Insurance

General Liability Insurance

This is necessary for chiropractors with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for chiropractors with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual chiropractor during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for chiropractors who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect chiropractic practices and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Chris Worley now

Chris Worley of Westwood Insurance Group

Chris specializes in insurance for chiropractors. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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