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Chiropractors & the Need for Specialized Coverage

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Chiropractors, like any other medical profession, face professional liability risks that can upend their practice, hurting their bottom line and reputation. Whether it’s spinal adjustments that can cause disc herniation, nerve pain, lumbar pain, or even neurological damage and other injuries, to allegations of unprofessional conduct or failure to diagnose or improperly diagnose a patient’s medical condition, chiropractors can find themselves in a medical malpractice lawsuit alleging physical, financial or emotional loss as a result of their treatment and services. A patient can claim that the chiropractor in question did not meet the standard of care or that the breach in the standard of care or duty to the patient caused the injury.

Additionally, as with all healthcare providers, audits and improper billing are another potential exposures chiropractors face. Cyber attacks, including a data breach that compromises a chiropractor’s patient data, are also of great concern. Chiropractors store vital health and personal information on their patients, making them vulnerable to cyber criminals.

RPS provides a trio of enhanced coverages to chiropractors with our CHIROCHOICE SM program designed to provide Premises Liability, Professional Liability and Cyber Liability insurance. For more than 20 years, RPS has been specializing in this area working with an A-rated carrier partner whose exclusive focus is in medical malpractice, delivering expertise unique in the market. Each coverage is specifically designed for chiropractors and the healthcare space. In addition, RPS’ program underwriters have more than 50 years of combined experience insuring the chiropractic field.

Coverage is available on an occurrence or claims-made basis. Enhancements include coverage for sexual misconduct, billing E&O defense, defense of license, HIPAA defense only and administrative hearings defense.

CHIROCHOICE SM is available in 47 states. Our rates are highly competitive with quotes provided within 24 to 48 hours. RPS’s longevity in providing chiropractic professional liability insurance reflects our long-term commitment to the field. To find out more about our product and how we can help you insure your clients, please visit us here.

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