Insurance for Chiropractors

Why do chiropractors consider insurance?

As a chiropractor, you understand how small adjustments can make a big impact. The same is true for mistakes. A small mishap could lead to major (and costly) consequences for you and your business.

Chiropractor insurance* helps protect you from events that could cripple your small business. Let BizCover help you address business risks, both big and small, with cover options from selected leading Australian insurers. Compare multiple quotes and get instant cover online in minutes!

What types of insurance do chiropractors need?

Professional Indemnity

Patients rely on your knowledge, expertise, and recommendations to help them improve their health and manage pain. Treatment errors, incorrect advice, or other mistakes could lead to a claim or lawsuit that may damage your business.

Professional Indemnity protects you against losses claimed by a third party due to alleged or actual negligence in your professional services or advice. Subject to applicable limits, your 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).

Chiropractic Professional Indemnity insurance is mandatory if you are working in Australia. Proof of insurance is required to register with the Australian Health Practitioner Registration Agency (AHPRA) and to join many professional chiropractic associations in Australia.

Public Liability

No matter where you treat patients—in your offices, in their homes, or somewhere else—Public Liability may be an essential chiropractic services insurance for your practice.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

If your chiropractic business is based in your home, business-related claims may not be covered by your Home & Contents insurance. You may need a Public Liability policy to cover your business activities.

Cyber Liability

Chiropractors typically handle sensitive patient information, from personal health records to payment details. This type of data is gold for cybercriminals. Hacks, viruses, and even human error could put patient information and your business at risk.

Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.

A Cyber Liability policy can help chiropractors handle the costs associated with a cyberattack, including:

• Investigating the cause and scope of the breach
• Business interruptions
• Your legal expenses
• Fines and penalties you are ordered to pay
• Public relations to lessen damage to your professional reputation

Business Insurance

You may want to think about protecting your business assets as well as your patients. The right cover could help you get back to business sooner without leaving you severely out of pocket.

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

The great thing about Business Insurance packages is that they can be customised to fit your unique needs. Depending on where and how you work, you might consider cover for an owned business premises, the contents of your offices, retail stock, or other parts of your business that you’d like to cover.

How much does chiropractor insurance cost?

Unfortunately, there’s no one-size-fits-all answer to this question. Every chiropractor is different, with unique ways of working and business needs. This means that the cost of chiropractor insurance varies from one chiropractor to another.

Information about your business plays a key part in determining the cost of your chiropractor insurance. Insurers may consider things like:

• Your business turnover and size
• Who is being covered, and their qualifications
• Where your business is located
• The amount of cover you require
• Your history of past insurance claims

Comparing quotes from different insurers is one way to understand how much your chiropractor insurance may cost and which cover is available for your business.

How do I get chiropractor insurance?

BizCover loves chiropractors! We’re here to make buying business insurance drama-free—with an easy online application and instant cover from a great range of trusted leading insurers. Protect your chiropractic business in minutes and get back to treating your patients.

Frequently Asked Questions about insurance for chiropractors