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What is chiropractor insurance?

Chiropractor insurance is a policy designed specifically for licensed chiropractors – whether they are mobile chiropractors or run their own clinic.

 As a chiropractor, your task is to align the spine, relieve discomfort, and improve the overall well-being of your patients. But let's talk about something that often flies under the radar: the importance of insurance in your profession.

If you’re working closely with the spine, this means you are dealing with a part of the body that, if mishandled, can lead to serious consequences. It's a reality that is acknowledged as an inherent risk of the industry. Even as chiropractors strive to minimize risks through training and experience, insuring your chiropractic practice is non-negotiable.

Chiropractor insurance will help you cover your expenses in case of an incident, whether it’s a client lawsuit or repair costs for your office after a flood, having the right package will provide you with a peace of mind, knowing that no matter what you can get back to your business as usual.

What chiropractor insurance includes

Chiropractor insurance should typically cover you in the following areas:

Recommended add-ons for chiropractor insurance coverage

While the basic coverage options are essential, there are several add-ons that can offer further protection for your chiropractic practice:

Common types of chiropractor insurance claims

Understanding the common types of claims in the chiropractic industry can help you better prepare and protect your practice:

How much does chiropractor insurance cost?

Depending on your specific factors, such as your revenue and size of your business, for example, your chiropractor insurance may cost you anywhere between $500 and $1,500 a year. Most small businesses – especially one-person businesses – shouldn’t pay more than $2,500 a year. If you’re running a bigger practice, with multiple employees, you can expect to pay $5,000 or even $10,000 a year (though that’s for businesses that are on the larger end of the spectrum).

Some of the factors to influence your premium are:

How to get the cheapest chiropractor insurance rates

Securing affordable chiropractor insurance doesn't mean sacrificing quality coverage. Here are some tips to get the best rates:

Chiropractor insurance in Canada: What you need to know

Canadian chiropractors must adhere to specific regulations and insurance requirements. Here's what you need to know: