Chiropractic Malpractice Insurance

Professional Liability Insurance is a policy that can cover the legal costs and medical fees from claims of negligence that result in causing third-party bodily injury. Common malpractice accidents typically fall within the following areas:

• Failure to attend to a patient;
• Failures in diagnosis;
• Failures in referral or consultation;
• Failure to protect or warn third parties; or,
• Substandard treatment

Many employers provide corporate coverage, but independent chiropractors renting space or travelling to patients’ homes will likely need their own insurance policy.

Additional coverage listed below is recommended for chiropractors who operate clinics or offer their services at multiple locations:

• Commercial General Liability Insurance (CGL), also known as ‘slip and fall insurance,’ General Liability Insurance for chiropractors provides protection against the risks you may encounter during day-to-day business operations, including third-party property damage or bodily injuries. For example, your patient falls off your unstable chiropractic table – they injure their wrist and successfully sue you for bodily injury. Your CGL could cover the legal fees and medical expenses.

• Cyber Liability Insurance is essential coverage for any professional who stores patient information, confidential data or conducts virtual consultations. It covers costs associated with electronic incidents involving your technology systems and patient data, such as incident response and breach management fees. For example, a hacker attacked your online chiropractor booking system and holding your patient’s data was held for ransom. In that case, Cyber Liability Insurance could cover the costs to pay the ransom and any fees required to restore data.