In the last decade, chiropractors have seen a 40% increase in patients seeking care. With more demand, chiropractic offices must ensure they have protection against any issues arising from their practice. Chiropractic’s specialized industry is highly competitive, and the best chiropractors have the best malpractice insurance behind them.
Why Chiropractors Can Benefit From Purchasing ChiroSecure Malpractice Insurance
ChiroSecure offers comprehensive malpractice and liability insurance options to chiropractic practitioners at an affordable rate. We recognize the growing need for extensive malpractice insurance along with the growing demand for insurance companies that take a preventative approach to insurance.
Our dedicated team is here to help practitioners looking for the best malpractice insurance for chiropractors get the most out of our services – with a range of insurance options that include preventative best practices and industry-standard recommendations that can protect from the risks associated with chiropractic care.
Chiropractors can rest assured that the benefits you can get are not only liability insurance coverage options in a worst-case scenario but also the peace of mind that comes with that coverage of your choice.
Extensive Chiropractic Insurance Coverage
Chiropractic care involves a hands-on approach, which means there is always a risk of unexpected outcomes or patient dissatisfaction. Moreover, the potential for injury or wrongful treatment can lead to costly lawsuits. That’s where our extensive chiropractic liability insurance coverage comes in.
ChiroSecure’s chiropractic insurance consists of a wide array of options chiropractors can customize based on specific needs, including:
- Professional Liability Insurance
- Business Owner Policy
- Worker’s Compensation
- License Protection
- Sexual Misconduct Defense
- Cyber Liability
- Employer Protection
- HIPAA Protection
- Insurance Audit Defense
Request a Quick Quote Today
By obtaining the right insurance coverage, you can have peace of mind knowing that you have financial protection against claims and legal expenses. Whether it’s a mistake during treatment, an allegation of negligence, or even a simple slip and fall in your office, this insurance protects your practice from potential financial disaster.
For more inquiries regarding the coverage options, don’t hesitate to contact us at (866) 802-4476.
Claims-Made vs. Occurrence Coverage
Most chiropractic malpractice policies are written one of two ways, and the difference matters most the day you retire, sell your practice, or switch carriers.
**Occurrence coverage** protects you for any incident that happened while the policy was active — no matter when the claim is filed. If a patient from 2024 files a claim in 2030, your 2024 occurrence policy responds, even if you’ve since changed insurers or stopped practicing.
**Claims-made coverage** protects you only if the claim is filed while the policy is active. If you cancel a claims-made policy and a claim arrives later, you need an extended reporting period — commonly called a “tail” — to stay protected. Tails are typically purchased when you switch carriers or retire, and the cost is usually a multiple of your final year’s premium.
**What this means for you:**
– If you’re on a claims-made policy today, ask what your tail would cost before switching carriers — a good new carrier will help you plan for it or provide prior-acts (nose) coverage that picks up where your old policy left off.
– If you’re on an occurrence policy, switching is simpler: your past years stay covered by your old policies, and your new policy covers you going forward.
When you request a quote from ChiroSecure, we’ll tell you which form your quote is written on and exactly how your prior coverage is handled — before you commit to anything.
Why Do Chiropractors Choose ChiroSecure?
Along with providing the extensive services listed above, ChiroSecure works with the country’s top attorneys and expert witnesses who will protect your interests in case an incident happens during your chiropractic practice. That’s one of the reasons why many practitioners prefer ChiroSecure as their chiropractic insurance provider.
Although we have genuine faith in the competency of the chiropractors we insure, we still recognize the potential legal risks associated with chiropractic’s approach to health and wellness. For this reason, we have designed our liability insurance to cater to individuals employed in this field. Chiropractors can rest assured our legal partners are skilled and experienced in dealing with all different types of potential claims that can occur.
Unlike many other medical malpractice insurance providers, ChiroSecure caters specifically to individuals operating chiropractic practices or practicing chiropractors. Our policies are to provide cost-effective coverage for individuals in this highly specialized approach to health and wellness.
At ChiroSecure, we are experienced in the nuances of the chiropractic field and can equip your practice with the tools needed to be ready for anything. Our team is available to ease the tension that may arise while operating a chiropractic business.
Apply for Chiropractic Malpractice Insurance Today
ChiroSecure is well aware of the abstract risks associated with chiropractic care. Although malpractice lawsuits in the chiropractic field are statistically low, they have been known to occur and can result in large lawsuits and the loss of licensing. Even the most attentive practitioner must recognize the relevant liabilities when dealing with patients. And, like any occupation in the healthcare field, practitioners need protection from possible errors or misdiagnoses.
We cannot overemphasize enough the value of insurance protection, and the only way to protect yourself and your practice from a potential incident or injury report resulting in professional damages is to apply for Chiropractic Malpractice Insurance immediately. By insuring your assets, you are protecting your business and professional reputation if the worst-case scenario unfolds.
Don’t wait for a lawsuit to hamper your chiropractic practice. Invest for the best chiropractic malpractice insurance to protect yourself, your reputation, and your livelihood. It’s a small price to pay for the peace of mind you need to focus on providing quality care to your patients. Choose the right insurance coverage today and secure your practice for a successful future.
Switching Carriers: What Actually Happens
Most chiropractors stay with an overpriced or underperforming insurer because switching sounds risky. In practice, it comes down to three steps:
1. **Get a quote before your renewal date.** Start 60–90 days before your current policy renews. A free online quick quote gives you a real number to compare against your renewal offer.
2. **Protect your prior acts.** If your current policy is claims-made, your new carrier can often provide prior-acts coverage so there’s no gap — or you’ll purchase a tail from your old carrier. Either way, a specialist should walk you through which applies to you.
3. **Time the switch to your renewal.** Your new policy starts the day your old one ends. There’s no double payment and no lapse.
What you should never do is let a claims-made policy lapse without arranging a tail or prior-acts coverage — that single mistake is how chiropractors end up personally exposed for care they provided years earlier.
What Does Chiropractic Malpractice Insurance Cost?
Apply for affordable coverage today by filling out our quick online form.
Because so much depends on your state and practice, the only number that matters is the one quoted for *your* practice. ChiroSecure’s free online quick quote takes under a minute and gives you a real figure — no obligation, and a specialist follows up to answer questions.
What a Chiropractic Malpractice Policy Should Cover
Not all policies are built the same. Before you compare on price alone, confirm your quote includes:
– **Professional liability** — the core coverage for claims of injury from chiropractic care
– **Defense costs** — legal representation, and whether defense costs are paid inside or outside your limits
– **Licensing board defense** — coverage if a complaint is filed with your state board, not just a lawsuit
– **Consent to settle** — whether the carrier can settle a claim without your agreement
– **The carrier’s financial strength** — an A.M. Best rating tells you whether the insurer can pay claims decades from now
Get Your Free Quick Quote
ChiroSecure has specialized in chiropractic malpractice insurance for over 35 years and covers more than 15,000 chiropractors nationwide. Complete the free online quick quote form — it takes under a minute, and you’ll get a real quote for your practice.
Request a Quick Quote Today
Apply for affordable coverage today by filling out our quick online form.
Don’t hesitate to contact us at (866) 802-4476 for more inquiries.