How to Get Chiropractor Malpractice Insurance for Your Practice
- 4 days ago
- 2 min read
Running a chiropractic practice involves helping patients restore mobility, manage pain, and improve their quality of life. However, every treatment carries potential risks. Even with careful technique, misdiagnoses, procedural complications, or patient dissatisfaction can result in lawsuits. This is why securing chiropractor malpractice insurance—also called professional liability insurance—is essential for protecting your practice, finances, and reputation.
Why Chiropractor Malpractice Insurance Matters
Malpractice insurance covers legal costs, settlements, and judgments if a patient alleges injury, negligence, or errors in treatment. Without coverage, a single lawsuit could lead to substantial out-of-pocket expenses, damage your professional reputation, or even jeopardize your practice.
According to the American Chiropractic Association chiropractors operating independently or with multiple treatment modalities face higher professional liability exposure. Insurance provides peace of mind and ensures compliance with contractual or state requirements.
Key Coverage Options
When exploring malpractice insurance, chiropractors should consider:
Claims-Made Policies: Protects you if a claim is made while the policy is active. Often more affordable initially but may require tail coverage if switching insurers.
Occurrence Policies: Covers incidents occurring during the policy period, even if the claim arises later. Usually more expensive but provides long-term peace of mind.
Legal Defense Costs: Policies may cover attorney fees, court costs, and settlements. Some even include protection for office staff or business property liability related to patient care.
Factors That Affect Premiums
Several factors influence malpractice insurance costs for chiropractors:
Clinic Size and Patient Volume: More patients or multiple locations increase exposure.
Treatment Types: High-risk procedures, such as spinal manipulation, may result in higher premiums.
Claims History: Past claims or disciplinary actions can increase rates.
Risk Management Practices: Maintaining thorough patient records, consent forms, and staff training can reduce premiums.
How to Get a Tailored Quote
Requesting a quote from a specialist insurance provider ensures your policy fits your practice’s size, treatment offerings, and risk profile. Wexford Insurance works directly with chiropractors to recommend appropriate coverage limits, assess liability exposure, and provide competitive pricing.
Investing in malpractice insurance not only protects your practice but also demonstrates professionalism to patients and partners.
Request a custom chiropractor malpractice insurance quote from Wexford Insurance today to safeguard your practice and your career.
