Chiropractors & Physical Therapy Coverage Guide
Chiropractic and PT practices face manipulation-injury claims (especially cervical adjustments), missed-diagnosis disputes, and licensing-board complaints. Sexual misconduct allegations are a serious specialty exposure.
Critical Coverage
Professional Liability (E&O)
Covers claims of negligence or mistakes in professional services
What it covers
Treatment liability (manipulation injuries, especially cervical), missed-diagnosis claims, sexual misconduct allegations.
Common misconception
Chiropractors think 'we don't really have malpractice' — but cervical manipulation cases (vertebral artery dissections) are catastrophic when they occur.
What it does NOT cover
Intentional acts. Sexual misconduct (often sub-limited or excluded). Procedures outside scope.
The gap — what happens without it
Cervical adjustment causes vertebral artery dissection and stroke — $1.6M settlement. Malpractice pays.
What drives your premium
Specialty, claims, years
Endorsements to ask about
Prior acts. Sexual misconduct sub-limit explicit. State board defense.
Important Coverage
General Liability
Covers third-party bodily injury and property damage claims
What it covers
Premises liability.
Common misconception
Frequent patient visits create exposure.
What it does NOT cover
Professional services.
The gap — what happens without it
Patient trips — $8K. GL pays.
What drives your premium
Office, volume
Endorsements to ask about
Hired/non-owned auto.
Workers' Compensation
Covers employee injuries and illnesses on the job
What it covers
Employee injuries.
Common misconception
Solo + assistant still requires WC.
What it does NOT cover
Owner exemption.
The gap — what happens without it
Assistant lifting injury — $11K. WC pays.
What drives your premium
Payroll, state
Endorsements to ask about
Voluntary comp.
Commercial Property
Covers your building, equipment, and inventory
What it covers
Buildout, equipment.
Common misconception
Therapy equipment is valuable.
What it does NOT cover
Flood. Earthquake.
The gap — what happens without it
Fire damages equipment — $40K. Property pays.
What drives your premium
Equipment value
Endorsements to ask about
Equipment breakdown.
Cyber Liability
Covers data breaches, ransomware, and digital threats
What it covers
HIPAA breach response, ransomware.
Common misconception
Chiropractors are HIPAA-covered entities — same exposure as medical practices.
What it does NOT cover
Unencrypted devices.
The gap — what happens without it
Phishing exposes 1,200 patient records — $90K. Cyber pays.
What drives your premium
Records, MFA
Endorsements to ask about
HIPAA defense.
Not sure what you need?
Text us your trade and state — we'll tell you exactly what coverages apply to your business and shop the market for the best rate.