Professional Liability Insurance for Chiropractors

Liability claims can occur to any professional. If you are a chiropractor, it is generally advisable to maintain high-quality, high-level liability coverage. Professional liability coverage for chiropractors is often the best decision. What is it? How can it help you? Why shouldn't you go without it? There are several key things you need to keep in mind about this type of insurance.

Unfortunately, it is quite common for chiropractors—like doctors and others that work in the healthcare industry—to face claims of error or negligence. Even when these claims may seem unlikely, they can still occur and do require your attention. A single claim against your company can lead to thousands of dollars in settlements and court fines, not to mention legal expenses.

With the help of a professional liability insurance plan, you have a higher level of coverage to meet these sometimes exceeding costs. Not only do they help to protect your business from the financial implications, but these policies also shield you, to some level, from claims against your reputation.

What does it cover? Every professional liability insurance claim should be customized to meet your unique needs. This changes from one company to the next, of course. However, most will provide coverage for the following common claims:

• Damage to the property of other people and clients
• Assault coverage for claims made against you or your staff
• License protection coverage
• First aid coverage
• Deposition representation
• Defendant expense benefits
• Personal liability coverage
• Personal injury protection
• Medical payment protection
• Occurrence-based policies

You do everything you can to provide the highest level of service to your patients. And, you may follow the rules to the letter. Yet, negligence claims can and do happen. When they do, it is quite important for you to have an insurance policy in place to absorb the costs associated with these potential losses. If you fail to do this, you may be unable to keep your practice open and continue meeting the needs of the community. Instead of this risk, invest in a professional liability policy that gives you peace of mind.