Cyber liability covers HIPAA breach notification costs, forensic investigation, patient credit monitoring, ransomware response, and regulatory fines following a data breach or ransomware event. Importantly, chiropractic offices handle PHI (protected health information) subject to HIPAA, and the OCR imposes fines ranging from $100 to $50,000 per record disclosed — a single breach of 500 patient records can exceed $200,000 in combined fines and remediation costs.
A $500K cyber policy for a solo chiropractic office runs $650–$1,400 annually in Southeast markets. Request a quote with cyber included at bridgewayins.com/quotes. External: HHS HIPAA for Professionals.
