(888) 900 0205General Liability Insurance for Chiropractors
Running a chiropractic practice comes with its share of responsibilities—and risks. That’s why general liability insurance for chiropractors is a must-have. Without it, you could face financial strain, legal trouble, and even damage to your reputation if something goes wrong in your office or during patient interactions. This type of insurance helps shield your business from common claims like property damage, bodily injuries, and advertising-related issues.
What Does General Liability Insurance Cover for Chiropractors
Here’s a quick snapshot of what’s included:
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Bodily Injury Claims
If a patient or visitor slips in your office and sustains an injury, you’re responsible. General liability insurance covers medical costs and potential legal fees. -
Property Damage
Say a patient’s belongings get damaged during their visit—like their laptop getting knocked over by accident. This policy helps cover the cost of repairs or replacement. -
Personal and Advertising Injury
If you’re accused of libel, slander, or copyright infringement related to your business advertising, this coverage steps in. -
Medical Expenses
Even if no lawsuit is filed, your policy can cover immediate medical costs for minor injuries on your premises.
Why Chiropractors Need General Liability Insurance
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Protect Your Practice from Lawsuits
Did you know the average cost of a liability claim is $30,000? Without insurance, you’d be footing that bill out of pocket. -
Enhance Professional Credibility
Patients feel reassured knowing their chiropractor is insured. It demonstrates professionalism and builds trust. -
Comply with Landlord Requirements
Many office spaces require proof of liability insurance before leasing. -
Avoid Financial Hardship
A single claim could jeopardize your practice’s financial stability, especially for small operations.
What’s Not Covered
It’s important to know the limits of your policy. General liability insurance doesn’t cover:
- Employee injuries (covered by workers’ compensation)
- Professional mistakes or malpractice (requires professional liability insurance)
- Damage to your office or equipment (covered by property insurance or a business owner’s policy)
Additional Insurance Options for Chiropractors
To fully protect your practice, consider bundling your general liability policy with:
- Professional Liability Insurance
Covers claims related to errors in your chiropractic care. - Business Owner’s Policy (BOP)
Combines general liability and property coverage for convenience. - Workers’ Compensation Insurance
Covers employee injuries on the job.