Yes, unless the employing clinic’s policy specifically names you as a covered provider on the declarations page. Ask for a certificate of insurance (COI) showing you by name as an “additional insured” or “scheduled provider.”
If you’re not on the policy, buy a personal “slot” policy — $800–$1,800 across most of the Southeast. Your chiropractic license is personally at risk in a malpractice claim regardless of what the clinic policy does. If the clinic entity dissolves mid-litigation, the plaintiff still has your personal assets as a target.
Associate DC coverage considerations by state:
