Question 1

What is a common misconception about Professional Liability (E&O) for Chiropractors & Physical Therapy?

Accepted Answer

Chiropractors think 'we don't really have malpractice' — but cervical manipulation cases (vertebral artery dissections) are catastrophic when they occur.

Question 2

What happens if chiropractors & physical therapy don't have Professional Liability (E&O)?

Accepted Answer

Cervical adjustment causes vertebral artery dissection and stroke — $1.6M settlement. Malpractice pays.

Question 3

What is a common misconception about General Liability for Chiropractors & Physical Therapy?

Accepted Answer

Frequent patient visits create exposure.

Question 4

What happens if chiropractors & physical therapy don't have General Liability?

Accepted Answer

Patient trips — $8K. GL pays.

Question 5

What is a common misconception about Workers' Compensation for Chiropractors & Physical Therapy?

Accepted Answer

Solo + assistant still requires WC.

Question 6

What happens if chiropractors & physical therapy don't have Workers' Compensation?

Accepted Answer

Assistant lifting injury — $11K. WC pays.

Question 7

What is a common misconception about Cyber Liability for Chiropractors & Physical Therapy?

Accepted Answer

Chiropractors are HIPAA-covered entities — same exposure as medical practices.

Question 8

What happens if chiropractors & physical therapy don't have Cyber Liability?

Accepted Answer

Phishing exposes 1,200 patient records — $90K. Cyber pays.

Question 9

What is a common misconception about Commercial Property for Chiropractors & Physical Therapy?

Accepted Answer

Therapy equipment is valuable.

Question 10

What happens if chiropractors & physical therapy don't have Commercial Property?

Accepted Answer

Fire damages equipment — $40K. Property pays.

Chiropractors & Physical Therapy Coverage Guide | RISKX