What insurance does a chiropractic office actually need?

A compliant chiropractic practice stack in the Bridgeway Southeast footprint typically includes six core lines:

1. Professional liability (malpractice) — $1M/$3M standard for solo DCs, $2M/$4M when you employ associates or add high-force techniques.
2. Business Owners Policy (BOP) — bundled general liability + property for slip-and-fall and equipment damage.
3. Workers compensation — mandatory in every Southeast state once you employ staff (thresholds vary by state).
4. Cyber liability — required under HIPAA for any practice with EHR, scheduling software, or patient portals.
5. Commercial auto — only if you make house calls, run athletic-event coverage, or use personal vehicles for business errands.
6. Commercial umbrella — $1M-$5M excess limits layered above malpractice, GL, and auto.

Add state-specific endorsements for regulatory-defense (board complaints), telehealth, and sports-team coverage based on your scope. State-specific cost ranges and board rules:

• Mississippi
• Alabama
• Louisiana
• Florida
• Tennessee
• North Carolina
• Georgia