Chiropractic office insurance costs vary by state and practice size. In the Southeast, a solo DC typically pays $3,200 to $7,400 per year for a full stack (malpractice, BOP, workers ...
Every licensed chiropractor needs six core coverages: (1) professional liability (malpractice), (2) general liability, (3) commercial property, (4) business income, (5) workers compensation if employees exist, and (6) cyber liability ...
Yes. For a straightforward solo chiropractic practice with no prior claims, Bridgeway can usually bind: Malpractice: 24–72 hours from completed application BOP: 2–5 business days (property inspection may be required) ...
Yes. Personal auto policies exclude business use once you cross the "material and substantial" threshold — which the ISO standard defines as regular, repeated business trips. House calls, athletic-event coverage, ...
Chiropractic malpractice policies are typically written on a claims-made basis — meaning the policy covers claims reported during the policy period, not claims arising from treatment during the policy period. ...
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 ...
Any claim arising from treatment delivered during the uninsured gap is yours personally — the clinic entity may be dissolved, but the DC's license and personal assets remain exposed. Three ...
Workers comp thresholds vary by state: Mississippi: Required at 5+ employees (chiropractic practice can elect in with fewer) Alabama: Required at 5+ employees Louisiana: Required at 1+ employee (any paid ...
Cyber liability is not explicitly mandated by any Southeast state insurance code, but it is functionally required under HIPAA for any chiropractic practice that: Uses an EHR (ChiroTouch, Jane, SimplePractice, ...
A Business Owners Policy (BOP) bundles general liability ($1M/$2M typical) with commercial property (building and contents) in a single, discounted package. For a chiropractic clinic it covers: Patient slip-and-fall in ...
