Professional Liability Insurance for Chiropractors

Insurance Coverage Requirements for Chiropractors

Chiropractors in Ontario are truly in a unique profession. Not only do they get to work with a broad range of individuals, but also they actually get to help ease people’s pain and suffering. With on-the-job injuries on the rise and more and more individuals suffering common injuries like tennis elbow, localized pain, and carpal tunnel syndrome in the Ontario area, chiropractor businesses are becoming essential. However, running out and getting a license and starting your own business won’t be just that simple. In order to become a chiropractor and protect yourself, your business, and your employees, you are going to have to learn about professional liability insurance for chiropractors along with workers compensation coverage for your employees.

professional liability insurance for chiropractors

Insurance for chiropractors is commonly referred to as error and omissions insurance. This type of insurance was specifically designed to protect chiropractors and other professionals against financial loss related to negligence, medical errors and injuries. The coverage can also protect you in the event the patient makes frivolous claims that you caused them harm or financial loss. For instance, if a client requests a deep tissue massage and claims afterwards his or her neck was injured during the treatment. Whether you are responsible or not, have a comprehensive professional liability insurance policy can protect you by covering the cost of medical bills, as well as litigation and court fees.

Additional Coverages that a Chiropractors Policy should have

Unfortunately, the above situation won’t be the only risk you and your employees are faced with on a daily basis. Thankfully, there are a variety of policies that can ensure you are fully protected at all times. While having too much insurance is never a bad thing, if you want to minimize your payments and ensure you have the most effective coverage possible, you need to know exactly which policies best suit your needs. Below you will find some of the best policies available for chiropractors in the Ontario area.

General Liability Insurance

General liability insurance is without a doubt essential for any business owner and medical practice. It protects your business from bodily injury claims, third-party medical costs, lost data, personal injury, and property damage. For example, just imagine if you have a client on the massage table and he or she rolls over, hits the floor and breaks her wrist. Since this happened in your place of business, you are going to be held responsible and might get sued. General liability insurance can cover the cost of this client’s medical expenses.

Since chiropractors oftentimes see clients in the office, it is not uncommon for them to get a policy that covers up to $2 million dollars in claims.

Cyber Insurance

Cyber insurance was specifically designed to protect chiropractors, in the event you suffer from a cyber crime or data breech. For instance, if someone breaks into your office and steals your client’s medical information and releases it to the public, you could be at fault. This could be very detrimental to your business if you are dealing with professional athletes. Depending on the popularity of your client list and the location of your business, the most reasonable amount of coverage for cyber insurance is $1 million.

insurance for chiropractor business

How much will Professional Liability Insurance for Chiropractors Cost?

By now, it should be no big secret that chiropractors are exposed to a variety of different risks on a daily basis. Fortunately, there is specialized coverage and policies available that can help reduce these risks. While there is no one policy that will do everything, you should keep in mind that one insurer can bundle all your policies together, which could potentially lower the overall costs of your premiums. That being said, what can you expect to pay for the above-mentioned policies?

Professional Liability Insurance – Chiropractors must obtain a minimum of $1,000,000 in coverage per claim with a $3,000,000 aggregate limits. You can checkout the College of Chiropractors of Ontario website to know more about the requirements. For the year, you can expect to pay anywhere between $1,500 to $2,500 a year for this coverage.

General Liability Insurance – Since you are going to have patients in and out of your office all day, every day, you will need a hefty general liability insurance policy. Of course, every provider in Ontario is going to offer you different rates, but you should expect to pay anywhere from $500 to $1,000 a year for a $2 million policy.

Cyber Insurance – There are a variety of factors that might increase the right of cyber insurance, but if you want to protect yourself and your clients from cyber fraud you are going to without a doubt need this policy in your arsenal. For a $1 million coverage policy you can expect to pay anywhere from $1200 to $1500 dollars a year. You number of patients and location might make play a major role in this price.

Malpractice Insurance – Malpractice insurance is a necessity for all medical professionals, including chiropractors. This type of insurance is designed to fight against lawsuits and claims related to errors and omission in the workplace. These errors and omissions can be anything from a medical error, medication error, bad advice, wrong diagnosis and accidental injury. A good malpractice police can cost up to $200,000 a year, depending on the location of your practice However, in Ontario a chiropractor will pay anywhere from $20,000 to $35,000 annually.

How to apply for a Policy

While deciding on the policies and amounts of coverage you need might not be easy, applying for Chiropractor professional liability insurance quotes is easier than you could ever imagine. All you have to do is visit our website and apply for a free quote. However, if you would rather speak to a live individual or an online consultant to learn about what will be covered under your professional liability policy, you can e-mail our offices or call the toll-free number 1-888-480-7677 during business hours.

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FAQ before purchasing chiropractors professional liability insurance

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Other professions we also provide insurance for:

Academic Testing Centers
Accident Investigation
Accident Prevention Consultants
Adoption Agencies
Advertising Agencies
Advertising Agents & Services
Aerial Mappers
Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
Alternative Energy
Answering Services
Arbitrators & Mediators
Arborists / Tree Surgeons
Architects & Engineers
Architectural technicians and technologists
Auctioneers, Auction Houses
Blueprint & Photocopy
Boat Registrars
Building Designers(Bill 124)
Business Brokers/Managers
Business Consultant
Business Enterprise Agencies
Business Training Courses
Cabling Designers
Camera & Photo Supply Stores
Careers Advisory Service
Catering Consultancy
Cereal Growing Advisors
Chambers of Commerce & Trade
Civil engineers
Claims Adjusters & Administrators
Collection Agencies
Commercial Printer
Communication Consultants
Company Formation
Company Search Agency
Conference & Event Management
Conference Facilities & Services
Conservation Consultants
Conservation Organizations
Consumer Organisations
Contest Managers
Contractors Accountants
Convention Planners
Counselling & Advice Services
Court Reporters
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Dietitians (Consulting)
Directors and Officers
Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Lawyer’s Excess Professional Liability
Long Term Care
Management Consultants
Medical Clinics
Medical Devices
Medical Professionals (Malpractice Insurance)
Medical Related
Medical Student Malpractice Insurance
Mortgage Brokers
Multimedia designers
New Media
Occupational Health and Safety Consultants
Placement Agencies
Private Investigators
Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
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Publishers and Printers
Quality Control Consultants
Recruitment and Employment Agency
Recruitment Consultants
Research & Development
Roofing Consultants
Safety Engineers
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Spa Package
Structural Engineers
Tax Prepares
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Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
Web-Site Designers
Workplace Engineers & Consultants