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 the waiting room, hallway, or parking lot
- Theft, fire, or storm damage to adjusting tables, decompression units, X-ray equipment, laptops
- Business interruption income replacement if a covered event closes your doors
- Signage, exterior fixtures, and tenant improvements
2026 BOP cost ranges for a single-location chiropractic practice (1,500-3,000 sq ft):
- Mississippi: $600–$1,400 • Alabama: $700–$1,500 • Louisiana: $900–$2,000
- Florida: $900–$2,200 (coastal counties higher) • Tennessee: $650–$1,500
- North Carolina: $700–$1,600 • Georgia: $750–$1,700
Full state-specific BOP coverage details:
