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Professional Liability Coverage for Chiropractors in 2024

Insurance That Helps Keep Your Chiropractic Clinic Running Smoothly

Chiropractors and chiropractic clinics face unique liability issues which must be covered by a reliable chiropractic liability insurance policy in order to operate. We work with individual chiropractors as well as practices of all sizes in order to find the right chiropractic professional liability coverage for their needs. Whether you are an owner, employee, or independent contractor, we have the experience to communicate clearly so you can be confident about your coverage.

Chiropractic Malpractice Insurance Coverage Highlights for 2024

The typical policy will provide coverage for damages, and defense in connection with covered claims and can be written on a claims-made or occurrence basis. Some key benefits of Chiropractic Malpractice Insurance include:

  • Representation from top rated insurance carriers.
  • Quality risk management and efficient claims handling.
  • Insured has the ability to settle a claim in most cases.
  • Both claims-made, and occurrence options are available.
  • A range of coverage limits of and options are available.
  • Coverage is available for all chiropractors, even those with past claims or board issues.
  • Coverage for Manipulation Under Anesthesia (MUA) and acupuncture is available.

Are you new to Practice and wondering if you want a Claims-Made or Occurrence Policy? Check our article for three key differences!

Why is Chiropractic Professional Liability Insurance Important?

Chiropractors focus on the body’s alignment and overall health rather than drugs and invasive procedures. Patients trust and rely on your expertise, education, and dedication to your work. However, any mistakes made on the job can have a lasting impact on patients. Malpractice insurance provides protection in the event of a lawsuit for injuries, pain and suffering, or other losses and damages caused by negligent care. Even if a claim is not justified, it can still be costly to defend yourself without proper insurance. Chiropractic professional liability insurance is essential for protecting yourself and your business.

How Much Does Chiropractic Professional Liability Insurance Cost?

Chiropractors face a variety of risks on a daily basis, and specialized coverage and policies are available to help mitigate these risks. Combining multiple policies with one insurer can also lower overall premium costs. The minimum required coverage is $1,000,000 per claim and a total aggregate limit of $3,000,000. The cost of this coverage can range from $1,500 to over $20,000

Chiropractic Professional Liability Insurance Options

Desert Mountain, powered by Inszone Insurance Services, will work hard to find the appropriate coverage to satisfy all our chiropractors’ insurance needs. We have access to many carriers that can customize their chiropractic malpractice insurance to meet special circumstances.

Other insurance policies that cover the most common risks for chiropractic offices include:

  • General Liability Insurance
  • Business Owner’s Policy
  • Workers’ Compensation Insurance
  • Employee Benefits Insurance
  • Commercial Auto Insurance
  • Cyber Liability Insurance


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We Write in all 50 States!

Whether you’re in Arizona or New York, we can help you find a dental malpractice policy that fits your needs. Contact us today or learn more about specific states we work the most in below, for more information!

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