Commercial Auto Insurance for Mobile and Traveling Chiropractors
- 4 days ago
- 2 min read
Mobile and traveling chiropractors are redefining patient care by offering in-home treatments, corporate wellness visits, and on-site therapy services. While this flexible model increases convenience and revenue opportunities, it also creates new risks. That’s why commercial auto insurance for mobile chiropractors is essential to protect your practice while operating on the road.
If you use a vehicle to travel between patient locations, transport equipment, or provide mobile chiropractic services, a personal auto policy is not enough. Most personal policies exclude coverage for business use, meaning a claim could be denied if an accident occurs during work-related travel.
Why Commercial Auto Insurance Is Necessary
Commercial auto insurance protects your chiropractic business from financial losses related to vehicle accidents. Whether you operate a fully equipped mobile clinic van or use a standard vehicle for house calls, this coverage is critical.
A typical policy includes:
Liability Coverage – Pays for bodily injury or property damage to others if you are at fault in an accident.
Collision Coverage – Covers repairs to your vehicle after an accident.
Comprehensive Coverage – Protects against theft, vandalism, fire, or weather-related damage.
Uninsured/Underinsured Motorist Coverage – Provides protection if another driver lacks adequate insurance.
Additional Coverage to Consider
Mobile chiropractors often carry expensive equipment such as portable adjustment tables, therapy devices, and electronic records systems. Adding inland marine coverage or equipment coverage can protect these items while in transit.
If employees drive on behalf of your practice using their own vehicles, you may also need hired and non-owned auto insurance to reduce liability exposure.
What Affects Commercial Auto Insurance Costs?
Premiums for mobile chiropractors typically range from $1,200 to $3,500 per vehicle per year, depending on:
Driving history
Vehicle type and value
Travel radius
Coverage limits selected
Claims history
Maintaining clean driving records and implementing safe driving policies can help manage costs.
Protect Your Practice on the Road
As a mobile chiropractor, your vehicle is an extension of your clinic. A single accident could lead to legal expenses, repair costs, and interrupted patient services.
Wexford Insurance specializes in tailored coverage for healthcare professionals, including commercial auto insurance for mobile and traveling chiropractors. Our team evaluates your travel patterns, equipment value, and business operations to design a policy that provides comprehensive protection at competitive rates.
Request a custom commercial auto insurance quote from Wexford Insurance today and keep your chiropractic practice protected—wherever your work takes you.
