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Chiropractic Business Insurance
Protect your practice with customized business insurance
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Customized business insurance for chiropractors
You help people feel better and move through their day with more ease. Each visit is an opportunity to create a positive experience and keep your business running as planned. Insurance works quietly alongside these efforts. The right protection gives support behind the scenes so you can focus on your clients and practice.
What is chiropractic business insurance?
Chiropractic insurance is business insurance that helps protect your practice from financial losses tied to common risks. Depending on your policy selections, you can get coverage for property damage, workplace injuries, equipment breakdown, data breaches, and other events that could impact your clinic.
Start an online quote or speak with a Progressive Commercial insurance specialist to see your options and find protection that works for you.
Why business insurance for chiropractors is important
Running a chiropractic office involves more than patient care. It also means managing a business that welcomes people on site and relies on specialized equipment. Business insurance is important because it helps your practice stay financially protected from unexpected setbacks.
Having insurance in place can also make it easier to work with others, like landlords, vendors, and partners. Many of these relationships require proof of insurance before you can sign a lease, start a contract, or provide services. Progressive Commercial makes it easy for policyholders to show proof of coverage with a certificate of insurance (COI).
Is chiropractic insurance required?
Yes, some types of insurance may be required. In most states, you'll need workers' compensation insurance if you have employees. Landlords and property managers may also ask for proof of general liability and property coverage before leasing office space.
Most chiropractors need malpractice insurance to meet state licensing board or chiropractic association requirements. For example, Connecticut chiropractors who provide direct patient care must have this coverage to practice in the state. Chiropractors typically purchase it from a specialized malpractice carrier that understands medical risks. Progressive Commercial doesn't offer it, but we can still help your business with other everyday business risks.
Who needs business insurance for chiropractors?
Business insurance can help protect many types of chiropractic practices, including:
- Independent chiropractic clinics
- Multi-practitioner offices
- Sports chiropractic practices
- Pediatric chiropractors
- Mobile or house-call chiropractors
- Chiropractors who lease office space
Whether you operate as a sole proprietor, run an LLC, or manage multiple providers under one roof, the right insurance can help support your practice as it grows.
Types of chiropractic business insurance
Keeping your practice in alignment often means having more than one type of insurance. Many chiropractors choose a mix of the following coverages based on how their business operates.
General liability (GL)
Coverage for third-party injuries and property damage
General liability (GL)
Coverage for third-party injuries and property damage
General liability insurance for chiropractors protects against certain third-party injury and property damage claims. It won't cover issues related to your professional care, but it can help with things like slip and fall accidents, damage to your rented space, and personal and advertising injury. Learn more about the benefits of general liability insurance and what a GL policy costs.
Example: A mail carrier delivering a package slips on a wet floor in your waiting room. General liability insurance can help cover their medical bills and your legal expenses if they decide to sue.
Business owners policy (BOP)
Combines liability and property coverage under one policy
Business owners policy (BOP)
Combines liability and property coverage under one policy
A business owners policy is a popular choice for chiropractors because it includes the same liability coverages found in a general liability policy along with commercial property coverage for your office space, furniture, and equipment.
Business interruption insurance is included in a BOP. It can help replace lost revenue if you're unable to practice because of a covered loss. You can also customize your policy with additional protections, like employment practices liability insurance (EPLI). Learn more about other coverage options on a BOP.
Example: A fire damages your treatment rooms and office equipment. A business owners policy can help pay for repairs and replacement items.
Commercial auto
Protects the cars and vans you use for work
Commercial auto
Protects the cars and vans you use for work
If you use a car or van for work, such as traveling to house calls or transporting equipment, you may need commercial auto insurance. Most states require liability insurance, which can pay for injuries or property damage you cause to others. You can add additional auto coverages, like physical damage and uninsured motorist, to help protect your vehicles, drivers, and passengers.
Example: You're involved in an accident with another car while driving to a community wellness event. Depending on your policy, commercial auto insurance could help cover repairs for both vehicles, medical expenses, and legal fees.
Workers' compensation
Insurance for employees who get hurt or sick on the job
Workers' compensation
Insurance for employees who get hurt or sick on the job
Workers' compensation insurance helps pay medical expenses and lost wages if an employee gets hurt or sick because of their job. State workers' comp requirements vary, so it's important to understand the rules where you operate.
Example: A chiropractic assistant sprains their wrist while moving equipment between treatment rooms. Workers' compensation may cover treatment costs and lost wages while they recover.
Cyber
Helps protect patient data and digital systems
Cyber
Helps protect patient data and digital systems
Cyber insurance covers chiropractic businesses that store patient records, payment information, and other sensitive data in digital systems. This protection can help pay expenses related to data breaches, cyber attacks, ransomware incidents, and other cyber security threats.
Example: A phishing email leads to unauthorized access to patient records, requiring notification, system repairs, and outside technical support. Cyber insurance can help cover the cost of restoring your systems and notifying your patients.
Don't let equipment trouble slow you down
Chiropractors rely on specialized equipment like adjustment tables, imaging tools, and electronic diagnostic systems. When that equipment breaks down, appointments may need to be canceled or rescheduled, disrupting patient care and daily revenue. Equipment breakdown coverage can help pay for repairs or replacement so you can keep your schedule on track.
How much does chiropractic insurance cost?
How much you pay for chiropractic business insurance will depend on the specific risks your practice faces, the coverages you choose, and other factors, including:
- Number of clients
- Clinic size and location
- Number of employees
- Services provided
- Claims history
- Coverage limits selected
You can explore more information on business insurance pricing, including commercial auto cost if your practice uses vehicles. Every chiropractic clinic is different, so the best way to learn what you'll pay is to get a customized quote.
Chiropractor insurance through Progressive Commercial
Progressive Commercial has decades of experience helping small business owners. Our specialists understand the unique risks chiropractors face and can help you choose coverage that aligns with how your practice works.
Get a personalized quote online or talk with one of our experts about protecting your chiropractic business.
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