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What is Chiropractor Insurance?

If you need to buy insurance for your chiropractic clinic, you can find out the different types of coverage you will need here. We provide a quick explanation of the types of insurance you should consider buying and outline what protection is offered by each.

What type of insurance does a Chiropractor need?

Finding an insurance agent to buy coverage from for your chiropractic work can help you select the most appropriate policies for your individual needs. With your expensive equipment, professional and general liabilities, along with your property and its contents, there’s lots to consider.

  • General Liability Coverage

Buying liability coverage for your chiropractic business is essential. General Liability can help you pay for medical costs and any claims of property damage. The limits for this coverage can be set-out when you buy your insurance and are often changeable depending on your needs and your budget.

  • Professional Indemnity Insurance

This will essentially protect you against claims made for medical or professional errors. It is also known as professional liability coverage, malpractice insurance or errors and omissions coverage. If a client claims that your work was negligent, late, unsatisfactory, or incomplete, this can give you coverage for the legal fees and any settlements.

  • Equipment Breakdown Coverage

If you use important equipment that you need access to at all times, then insuring these items for breakdown can help you put things right if something stops working.

  • Commercial Property Insurance

This isn’t just for companies who own their business premises; if you lease a property, then this essential coverage will give you protection for your inventory and your equipment as well as insuring the physical premises. Some landlords will request you buy property insurance this as part of your lease agreement.

  • Data Leakage Protection

Because you handle patient information, you need to make sure that you have the right security protocols in place. Due to the latest HIPAA guidelines, all healthcare practices need to have a data security insurance plan in place. Data leaks can occur at any time, and however they happen, you are responsible for informing any affected parties of the breach as soon as you become aware of the issue. from this, you need to provide ongoing credit monitoring services, you may face a lawsuit, and you will need to handle the PR side of the issue as well. This coverage will give you assistance should your business data become compromised.

  • Workers Compensation Coverage

Most people are aware of their own state regulations where this type of insurance is concerned. You need to adhere to the latest guidelines and provide coverage for the medical expenses of your staff should they have an accident while at work or incur a work-related injury. It may also help you if you were to face a lawsuit relating to employee injuries.

  • Business Interruption Insurance

If your business is unable to operate as normal because of an insured event, then this coverage could help you reclaim some of your lost income.

How much does chiropractor insurance cost?

Buying insurance for your chiropractic business requires you to choose from a range of policies. The cost of your coverage will depend on the size of your business, your perceived risk profile, the policies you choose, the number of people you employ, and a couple of other factors.

If you want to find the best coverage for your chiropractic clinic, then make sure you speak with a business insurance expert. They will help you get the best chiropractor insurance for your individual needs.

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