Chiropractor Insurance
Chiropractor insurance typically leads with professional liability, or malpractice, for claims tied to adjustments and treatment, then adds a business owners policy for the office, general liability, cyber liability for patient records under HIPAA and the California CMIA, workers’ compensation, and equipment coverage for adjustment tables and therapy units. In California, workers’ compensation is required once you have any employees.
Hands-on care is the heart of a chiropractic practice, and it is also where much of the risk lives. We help California chiropractors put together coverage that fits how you treat and how you run the office.
What does chiropractor insurance cover?
- Professional liability, or malpractice, for claims tied to adjustments, treatment, and patient care.
- Business owners policy for your office space, furnishings, and day-to-day operations.
- General liability for incidents such as a patient injured on a treatment table or a slip-and-fall in the reception area.
- Cyber liability for patient-data exposure under HIPAA and the California Confidentiality of Medical Information Act (CMIA).
- Workers’ compensation, which California requires once you have any employees.
- Equipment coverage for adjustment tables, therapy units, and diagnostic tools.
Who needs it? Solo chiropractors, multi-provider clinics, and practices that combine chiropractic with massage, physical therapy, or wellness services.
Chiropractic care is regulated in California, and patient records fall under HIPAA and CMIA privacy rules, which raises the importance of cyber protection. Malpractice is not required by state law, but facility agreements, referral relationships, or leases may call for it.
How we help: We look at your treatment mix, your staff, and your office, then structure coverage so your malpractice, liability, and property protection work together.
