Chiropractic Insurance

small business owner protected by Chiropractic Insurance

Chiropractor Insurance That Has Your Back

You help your clients achieve wellness and relief, but what happens when your business needs help with pressures like property damage or liability claims? With coverage that helps protect your staff and your facility from the unexpected, chiropractic insurance coverages let you focus on your clients with confidence.
 
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small business protected by insurance for chiropractic care

Who Needs Insurance for Chiropractic Care? 

Every chiropractor has unique needs, but most can benefit from having insurance coverage, including:
 
  • Physical Therapists
  • Massage Therapists
  • Acupuncturists
  • Sports Rehabilitation Centers
  • Holistic Health Clinics
small business owner protected by insurance for chiropractor

What Types of Insurance Do I Need as a Chiropractor?

Having a Business Owner’s Policy (BOP) is a good start in helping protect your practice. Most chiropractic business owners choose this as part of their chiropractor insurance coverage solutions for the peace of mind it can provide.
A BOP combines three essential types of coverage into a single policy to help protect chiropractors against claims of bodily injury or property damage:
 
Since all chiropractors have unique needs and face different risks, we make it easy to add additional coverages to your BOP.
 
 

How Much Does Chiropractic Insurance Cost?

The cost of chiropractic insurance varies because every practice has unique needs, and insurers use different factors to determine rates. Here are the average amounts our customers pay for a few popular types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
The best way to find out your chiropractic insurance cost is to get a quote.
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Here for You, 24/7

As a chiropractor, you need to focus on your patients, not paperwork. That’s why we make it easy to access your proof of insurance whenever you need it.

Covering Your Operations

Running a chiropractic business takes a lot of time and effort, but different risks can disrupt your operations. The right coverage helps protect your practice and your reputation, so you can keep delivering exceptional care without worrying about the cost of unexpected setbacks.
23% of employees worldwide have experienced harassment at work.2
Employment Practices Liability Insurance for chiropractors

Employment Practices Liability Insurance (EPLI)

“A manager in our office was accused of harassment by another employee. It escalated quickly and led to a lawsuit against my practice.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. With The Hartford, this coverage is included in a BOP.
business income insurance for chiropractors

Business Income Insurance

“After a severe storm knocked out our power, we had to close our chiropractic office for an entire week. Without power, we couldn’t see patients, process payments or even access our digital records.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if you can’t operate your chiropractic practice because of covered property damage.

Taking Care of Your Team

Your employees are vital to the success of your practice. So, what would happen if they can’t work because of a job-related injury or illness? What if one of your staff members gets sued? Workers’ Compensation coverage can help protect your employees from various workplace risks.
There were 655 health care data breaches that affected 116 million patient records in 2023.3
data breach insurance for chiropractors

Data Breach Insurance

“We discovered that our patient data had been compromised by a hacker. Names, medical records and contact information were all exposed.”
 
Data breach insurance helps you respond to a breach if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen, whether it’s from a hacker breaking into your network or an employee accidentally leaving their laptop at a restaurant.
workers' compensation insurance for chiropractors

Workers’ Compensation Insurance

“One of our employees developed a repetitive strain injury from lifting and adjusting patients over time and had to take time off for treatment.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.

Protecting Your Property

Your chiropractic practice’s property is key to your success. Property damage can put a pause on your practice’s daily operations. Commercial property insurance helps protect your essential equipment and supplies, so you can recover quickly and continue caring for patients.
On-the-job auto accidents cost employers $39 billion a year in the U.S.4
commercial auto insurance for chiropractors

Commercial Auto Insurance

“My chiropractor was on their way to a patient’s home for a wellness check when they got into a car accident. Thankfully, they were OK, but our car was severely damaged.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
commercial property insurance for chiropractors

Commercial Property Insurance

“After a fire damaged part of our chiropractic office, we were left dealing with lengthy repairs and equipment replacement.”
 
Commercial property insurance helps protect your practice’s massage equipment, chiropractic table, alignment tools and inventory that you use to operate.

Frequently Asked Questions About Chiropractic Insurance

Chiropractic insurance is a term that refers to a collection of business insurance coverages that help protect your practice from various risks. For example, if a patient gets hurt during an adjustment, general liability insurance can help cover their medical bills. Or, if one of your employees gets hurt while working, workers’ comp insurance can give them benefits to help them recover. You can get other types of coverage, like commercial property insurance, to help protect your office equipment, such as adjustment tables, computers and office furniture, from damage or theft, ensuring your business continues to run smoothly.
Chiropractic insurance is essential because it safeguards your practice from costly legal claims and property damage. Without insurance, you’d have to pay out of pocket for potential damages, which could be financially overwhelming. Additionally, many states require chiropractors to carry specific types of insurance, like professional liability and workers' compensation, making it crucial to stay compliant.
Our process is fast and simple. You can get a free quote online for chiropractic insurance options in just a few minutes.
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Chiropractic Insurance You Can Depend On

Get the protection you need to help keep your practice in good shape.
 
Quote Today
 
 
Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Fortified Health Security, “2023 Healthcare Data Breach Statistics”
 
3 Fortified Health Security, “Global Study: Workers’ Experience With Violence and Harassment”
 
4 Fortified Health Security, “On-the-Job Vehicle Wrecks and Employer Costs”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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