Who This Is For
This coverage is built for solo chiropractors, multi-provider spinal care clinics, and wellness centers that combine chiropractic adjustments with massage therapy, physical rehabilitation, or nutritional counseling. If your practice sees walk-in patients, stores treatment tables and modality equipment on-site, and keeps electronic patient records, this page applies to you — whether you rent a single suite or operate several locations.
Coverage Options for Chiropractor
Travelers is a strong market for chiropractors. BOP with professional liability is available for most practices with clean loss history and under $2M in annual revenue.
Business Owners Policy
Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.
Professional Liability
Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Cyber
Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
Equipment Breakdown
Covers the mechanical or electrical failure of diagnostic, treatment, or imaging equipment — often excluded from standard property coverage.
Real-Life Claim Scenarios for Chiropractor
Slip in the Waiting Room
A patient slips on a wet floor near the reception desk and fractures a wrist, then files a claim against the practice for medical costs and lost wages.
General LiabilityPower Surge Damages Treatment Equipment
A lightning strike causes a power surge that fries the electrical components of a decompression table and an X-ray unit, halting patient appointments for a week.
Equipment BreakdownWater Leak Destroys Patient Files
An overnight pipe leak floods a records room, damaging paper charts and a server holding scheduling and billing data.
Commercial PropertyStaff Lifting Injury
A clinical assistant strains their back helping a patient onto a treatment table and requires physical therapy and time off work.
Workers CompensationScheduling System Breach
A phishing email compromises the office's online scheduling platform, exposing patient names, appointment history, and contact information.
Cyber
Common Insurance Requirements
What Affects Cost
These are the main factors Travelers underwriters typically review when pricing this class:
- Services offered (adjustments only vs. massage, rehab, or nutritional counseling)
- Number of chiropractors and support staff on payroll
- Annual revenue and payroll
- Location and square footage of the practice
- Prior claims or malpractice history
- Value of X-ray, decompression, and therapy equipment
- Volume of patient records stored electronically
- Use of vehicles for mobile or home-visit adjustments
Frequently Asked Questions
Related Healthcare Classes
Get a Chiropractor Insurance Quote
Tell us about your practice and Casurance can help you review Travelers coverage options for chiropractor.
Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
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