Insurance for Chiropractors
Tailored cover featuring alternative and complementary therapies
Meets Professional Indemnity industry requirements for chiropractors
Meets Professional Indemnity industry requirements for chiropractors
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What is chiropractor insurance?
Insurance for chiropractors helps protect you from common events that could cripple your small business.
As a chiropractor, you provide essential care to help patients manage their aches and pains. However, even a minor error could result in potentially major repercussions and costly liability claims. Chiropractors may also face other risks beyond patient injury or harm, like equipment damage and theft.
That’s why BizCover offers customisable cover options that can meet your specific insurance needs. Compare multiple quotes and get instant cover online in minutes!
Why do chiropractors need insurance?
Chiropractors may need business insurance to meet legal requirements and cover unexpected bills.
Lease an office space.
Enhance credibility.
Pay legal costs if you face a liability claim.
Professional Indemnity requirements for chiropractors
Professional Indemnity insurance is a legal requirement for practicing chiropractors in Australia. The Chiropractic Board of Australia and the Australian Health Practitioner Registration Agency (AHPRA) requires chiropractors to have “adequate and appropriate” Professional Indemnity cover. Factors that may impact the amount of cover you need, include:
- The types of chiropractic services you provide – Some activities may carry higher risk of patient injury or harm
- How many people are covered by the policy – Just you, or several chiros working for your practice
- Limits specified in business contracts – If you provide freelance chiropractic care in other settings, such as a community health centre
Getting a Professional Indemnity policy is more than just ticking a box. It’s also an important part of protecting your chiropractic practice. Subject to applicable limits, Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
Cover benefits for chiropractors
Allied Health Combined Liability insurance
- Combined Professional Indemnity and Public & Products Liability
- Negliegence and malpractice claims covered up to $10 million
- Third-party injury and property damage claims covered up to $20 million
- Unlimited retroactive cover available
- Run-off cover available).
What does chiropractic insurance cover?
We offer a range of policies designed to cover your business and services, including a convenient combined Professional Indemnity and Public Liability policy. Customise your policies to suit your unique needs and buy in minutes.
Basic cover options:
Additional cover options
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does chiropractor insurance cost?
The average monthly cost of business insurance for chiropractors is $152 per month* with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below. This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
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- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
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to support the claim
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will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Chiropractors are required to have “adequate and appropriate” Professional Indemnity cover to work in Australia. The amount of cover you may need may depend on several factors, such as:
- The chiropractic services you provide
- Who will be covered by the policy (i.e., just you or multiple employees)
- Minimum cover levels required by a work contract
- Your annual turnover (revenue)
- A worst-case scenario claim size
Yes, Professional Indemnity and Public Liability policy options are available for chiropractors who visit patient homes to provide treatment.
BizCover not only makes it easy to buy insurance, we also make it easy to manage your policy! Certificates of Currency can be downloaded from our self-service portal at any time.
You can also update your payment details, amend your cover, and download policy documents from your account.
If you have a policy with BizCover, is here to help make the claims process as drama-free as possible. Fill out our online claims form, and we’ll manage your claim with the insurer on your behalf. You can track the claim progress in the BizCover portal.
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