No — base chiropractic malpractice policies exclude state board complaint defense. Board investigations are regulatory proceedings, not civil lawsuits, so they fall under a separate regulatory-defense endorsement (sometimes called “license protection” or “disciplinary proceedings coverage”).
Add this endorsement for roughly $75–$200 annually. It typically pays $25,000–$100,000 toward legal fees when your state board of chiropractic examiners opens an investigation. Average legal defense in a Southeast state board investigation runs $8,000–$35,000, with 90–180 day investigation windows.
Each state’s board complaint process and defense cost ranges:
