Chiropractor Malpractice Insurance

Protect Your Chiropractic Practice from Professional Liability Risks

As a chiropractor, your hands-on approach to musculoskeletal health carries a unique set of professional risks. From spinal adjustments to soft-tissue therapies, even minor patient complaints can escalate into costly malpractice claims. Heffernan Insurance Brokers offers specialized malpractice insurance for chiropractors that’s designed to safeguard your practice, your license, and your peace of mind.

What Is Chiropractor Malpractice Insurance?

Chiropractor malpractice insurance is a form of professional liability coverage that protects licensed chiropractic professionals from claims of negligence, injury, or errors related to patient treatment. These policies cover both defense costs and potential settlements if a patient alleges harm due to your services.

Common procedures covered include:

• Spinal manipulations and adjustments
• Therapeutic ultrasound
• Electrical muscle stimulation
• Posture correction
• Rehabilitative exercise therapy

Even with proper technique and documentation, patients may claim adverse outcomes—including nerve damage, stroke, or worsening pain. Malpractice insurance ensures you have financial protection if such claims arise.

Who Needs Chiropractic Malpractice Insurance?

• Solo practitioners or chiropractic clinic owners
• Chiropractors working within integrative medical practices
• Locum tenens or per diem chiropractors
• Recent chiropractic graduates entering private practice

If you operate independently or as part of a group, you may be liable for both your own actions and those of associates or employees. This makes personal and business-level coverage essential.

What Does It Cover?

comprehensive chiropractor malpractice policy generally includes:

• Claims of negligence, misdiagnosis, or injury
• Legal defense and settlement costs
• Licensing board investigations and complaints
• Allegations related to patient consent or documentation errors

Additional options may include:

• General liability (for onsite accidents not related to treatment)
• Cyber liability (for practices that store electronic patient records)
• Employment practices liability (for staff-related disputes)

Tail coverage (for claims-made policies)