Chiropractors work with the human skeletal system, often by manipulating it to achieve optimal alignment. But even when trying to help patients to feel better and function at their best, there’s always a possibility of a mistake that could lead to disaster. That’s why it’s so important that your practice gets equipped with the right chiropractor liability insurance.

Florida independent insurance agents can help you get set up with the right kind of chiropractors liability insurance for your needs. Even better, they’ll get you equipped with the proper coverage long before you ever need to actually use it. But first, let’s explore this crucial coverage further.

Do Chiropractors Carry Malpractice Insurance?

Like other practitioners in the medical or health field, it’s important for chiropractors to be protected against lawsuits stemming from claims of malpractice. Though not always legally required for chiropractors, having coverage is crucial to protect practitioners against huge costs from accidental injuries or death caused to their clients as a result of their services. A Florida independent insurance agent can help you find the right coverage for your practice.

What Does Chiropractors Liability Insurance Cover in Florida?

Chiropractors liability insurance is a type of Florida professional liability insurance designed to protect chiropractors against accidental injury or other harm to their clients. Coverage can pay for legal expenses required to defend them against malpractice lawsuits, along with settlement fees if the chiropractor is held liable for the claim.

Chiropractors liability pays for the following

• Lawyer fees
• Court and settlement fees
• Medical treatments to the injured client
• Other costs related to the lawsuit

Your Florida independent insurance agent can help get your practice set up with the right chiropractors liability insurance for your needs to protect against costly and potentially devastating lawsuits.

How Much Do Chiropractors Pay for Malpractice Insurance in Florida?

The cost of malpractice insurance for chiropractors can vary based on numerous factors, one of which being location. Here’s how Florida compares to other states when it comes to the highest premiums earned for malpractice coverage.

Direct premiums earned by the medical professional liability insurance market in the United States in 2018, by state (in million US dollars)

The medical malpractice insurance market in the state of New York generated $1.6 billion in direct premiums in 2018. Behind only New York, California, and Pennsylvania, Florida ranked fourth on the list overall. Florida’s direct written premiums for malpractice insurance that year totaled $603.38 million.

Malpractice insurance is important for trusted health practitioners of all kinds, including chiropractors. Your Florida independent insurance agent can help you find affordable coverage in your area.

What Doesn’t Chiropractors Liability Insurance Cover in Florida?

Chiropractors liability insurance provides a lot of important coverage for chiropractors in Florida, but it doesn’t cover just anything. Chiropractors liability insurance comes with its own exclusions, such as the following.

• Sexual misconduct liability
• Intentional and dishonest acts
• Criminal acts
• Inappropriate alterations of records

If you’re concerned about your chiropractors liability insurance lacking in any area, your Florida independent insurance agent can help you fill any coverage gaps.

Best Malpractice Insurance for Chiropractors in Florida

When hunting for the right malpractice insurance for your chiropractic office, it’s helpful to know which forms are available in advance. According to insurance expert Jeffery Green, chiropractor malpractice insurance can be bought in either of these forms.

• Claims-made chiropractor malpractice insurance: Coverage reimburses the chiropractor only if the contested service was provided while the policy was in force, and the claim was made while the policy was in force.
• Occurrence chiropractor malpractice insurance: Coverage reimburses the chiropractor no matter when the claim gets filed, as long as the contested service was provided while the policy was in force.

A Florida independent insurance agent can help you decide which type of chiropractor malpractice insurance is the best choice for you.

Are Chiropractors Required to Carry Malpractice Insurance?

Not necessarily by law. Certain states do require chiropractors to carry malpractice insurance, while others don’t. But regardless of your state’s legislature, it’s crucial to have malpractice coverage as a chiropractor. There are so many things that could go wrong in any setting in the medical or health field, and there’s no way to predict them ahead of time. Without the right malpractice coverage, your business could go bankrupt after just one extensive lawsuit.

Chiropractors Liability Insurance vs. Professional Indemnity Insurance

Professional indemnity insurance is another term for professional liability insurance. Chiropractors liability insurance is just a specific type of professional liability or indemnity insurance tailored to meet the needs of chiropractors. Professional liability insurance covers professionals who might get sued for claims of harm caused by their services.

Harm could include bodily injury, death, or even emotional or psychological injury. You’ll want to double check your specific chiropractors liability insurance policy with your Florida independent insurance agent to get the full list of perils you’re protected against as a chiropractor.

Here’s How a Florida Independent Insurance Agent Can Help

When it comes to protecting chiropractors against liability risks and all other disasters, no one’s better equipped to help than an independent insurance agent. Florida independent insurance agents search through multiple carriers to find providers who specialize in chiropractors liability insurance, deliver quotes from several sources, and help you walk through them all to find the best blend of coverage and cost.