Business Owner Policy

Chiropractic Office Protection Policy offered through Zurich North America

Tailored protection for Chiropractic Offices in one portfolio.

Our comprehensive portfolio gives you the ability to combine broad property, liability, and umbrella coverage. In most states, workers compensation is also available.

Coverage Highlights Include:

	Building and Structures – covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises
	Newly Acquired or Constructed Buildings – $500,000 with 180 days to report; no percentage limitation
	Business Income and Extra Expense – 12 months’ actual loss sustained; no waiting period; may be excluded for premium credit
	Glass Breakage (Option) – full coverage; limited coverage ($500 pane/$1 ,000 occurrence) available for premium credit; property deductible can be eliminated as an option
	Back-up of Sewers and Drains – covered; may be excluded for premium credit
	Outdoor Property – covers fences and walls up to $2,500, may be increased up to $250,000; signs up to $5,000, may be increased up to $100,000; trees, shrubs, plants, and lawns up to $10,000, $1,000 per item sublimit Coverage highlights specifically designed for office businesses, include:
	Accounts Receivable Coverage – protects you from losses caused by damage to your records which prevents you from collecting money owed you by customers
	Business Income Loss Protection – because cash flow is so important to your business, Precision protects you against loss of income for up to 12 months, and pays the full cost of necessary extra expenses to keep you in business
	Employee Dishonesty Coverage – protection against losses resulting from the dishonest acts of employees is available in amounts ranging from $10,000 to $250,000
	EDP Equipment Coverage – a base level of protection is built into the policy, and you have the option to increase that level or to schedule high value items
	Business Personal Property Coverage – broad protection against a loss concerning the property of other people while it is in your care, custody, and control
	Valuable Papers Coverage – for the cost to restore information from documents, such as medical or legal records, deeds, or abstracts

What makes ChiroSecure in association with Zurich North America Small Business the best choice for Chiropractic Offices?

• A broad array of customized products and services tailored to meet the insurance protection needs of your business
• State-of-the-art technology, plus efficiency that enables us to serve you better and at a lower cost
• Flexible billing and payment options that help meet the financial planning needs of your business
• Trouble-free claim service that gets you back in business as quickly and painlessly as possible

Ask us at ChiroSecure about the Office Insurance Program for Chiropractic Offices
This information is intended as a general description of certain types of insurance and services available through the companies of Zurich North America Small Business. It is not an insurance contract. Your policy is the contract and it specifically and fully describes our coverage.

Apply Online

Print Business Office Package Quote Request Form