How much is chiropractor insurance?

On average, chiropractors pay $37 per month, or $446 annually, for general liability insurance—also known as liability insurance.

This coverage helps protect chiropractic offices from common third-party claims involving injuries, property damage, or advertising issues. For instance, if a patient slips on a wet floor and gets hurt during their appointment, or if you accidentally damage a client’s belongings, general liability insurance can help pay for medical costs, repairs, or legal fees. 

This policy also includes coverage for advertising injuries, such as copyright infringement, defamation, or claims of misused marketing content.

Many landlords and clients require chiropractors to show proof of general liability coverage before signing a lease or service contract.

Below is the average general liability policy for chiropractors who buy from TechInsurance:

Premium: $37 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

The per-occurrence limit is the most your insurer will pay for a single claim, while the aggregate limit is the maximum paid for all claims during the policy term (usually one year).

Your general liability insurance premium may vary based on factors like your location, annual revenue, number of employees, the range of services you provide (e.g., spinal adjustments, rehabilitative therapies, holistic wellness programs), and your chosen limits and deductible.

Chiropractic professionals pay $59 per month, or $713 per year, for a business owner’s policy (BOP).

A BOP combines general liability insurance and commercial property coverage into one convenient, cost-effective package. This policy protects your chiropractic practice from third-party claims and property damage—often at a lower cost than buying each policy separately.

With a BOP, you’re covered if a patient is injured in your office or if their property is damaged. It also protects your own business assets, such as office furniture, treatment tables, or diagnostic equipment like X-ray machines. Because it offers broad protection at an affordable price, a BOP is one of the most popular coverage options for small chiropractic offices.

This is the average business owner's policy for chiropractors who buy from TechInsurance:

Premium: $59 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

Chiropractors with smaller practices and lower exposure to risk often qualify for a BOP.

You can buy endorsements for your policy for broader coverage, though they come with a higher premium. For example, a chiropractic office might choose to add business interruption insurance to protect against financial losses from a temporary closure, or equipment breakdown coverage to cover losses from the unexpected breakdown of a piece of chiropractic equipment.

The cost of your BOP depends on several factors, including the value of your property, your location, the amount of foot traffic you have, the types of services you provide, and the number of employees at your practice.

Chiropractic medical malpractice insurance costs can vary based on your unique risk profile and business details.

Many chiropractors are required to carry malpractice coverage—also known as professional liability insurance—to comply with state licensing requirements or to work in hospitals, clinics, or other healthcare settings.

Professional liability insurance helps cover lawsuits related to professional errors, missed diagnoses, or failure to meet an accepted standard of care. Even baseless or frivolous claims can lead to costly legal battles, which this policy helps cover.

For instance, if a patient claims their subluxation worsened after your spinal adjustment—or they’re unhappy with your pain management plan—malpractice insurance can help pay for attorneys' fees, settlements, or court judgments, protecting your practice from financial loss.

Because malpractice insurance is typically written on a claims-made basis, you must maintain continuous coverage to remain protected. If your policy lapses, you could lose coverage for previous incidents unless you purchase tail coverage to extend protection.

Chiropractic practices pay an average of $53 per month, or about $630 per year, for workers’ compensation insurance.

This policy helps cover medical expenses, rehabilitation costs, and lost wages if an employee is injured or becomes ill due to their job. It also includes employer’s liability coverage, which protects your practice if an injured employee files a lawsuit over a workplace incident.

Most states require businesses with employees to carry workers’ compensation insurance. The specific rules vary by location—for example, all healthcare providers in California, Pennsylvania, and New York must carry workers' comp if they have one or more employees. Florida businesses need coverage when they have four or more employees, and coverage is optional in Texas.

Even if you’re self-employed, carrying workers’ comp can protect you financially if you’re injured on the job. Standard health insurance often excludes work-related injuries, leaving you to pay out of pocket without this coverage.

Your workers’ comp premium depends mainly on how many employees you have, the type of work they perform, and your claims history. You can help lower your costs by classifying employees accurately and adopting a workplace safety program to reduce injury risks and claims.

Other factors, such as the cost of healthcare in your state, can also affect your premium.

Healthcare professionals, including chiropractors, pay an average of $74 per month, or $883 per year, for cyber insurance, also known as cyber liability insurance or cybersecurity insurance.

This coverage helps your chiropractic office recover from the financial impact of a cyberattack or data breach. It can help pay for data recovery, breach investigations, notification costs, legal expenses, and even cyber extortion payments.

Because chiropractic practices often store protected health information (PHI) and personally identifiable information (PII), cyber insurance is an important safeguard. It can also help you stay compliant with state data breach laws if patient data is exposed or stolen.

The cost of your cyber insurance policy depends on factors like how much sensitive data you manage, your cybersecurity controls, and your claims history. Practices that store large volumes of patient information or operate online patient portals typically need higher limits to ensure full protection.

Chiropractors and other medical professionals pay an average of $212 per month, or $2,544 per year, for commercial auto insurance.

This coverage protects your practice if a company-owned vehicle is involved in an accident. It can pay for bodily injury or property damage claims, as well as legal fees if you’re sued. Many policies also cover vehicle theft, vandalism, and weather-related damage.

Most states require commercial auto insurance for vehicles owned by a business. If you use personal, rented, or leased vehicles for work, consider hired and non-owned auto (HNOA) insurance to fill coverage gaps.

The cost of commercial auto insurance depends on several factors, including your policy limits, the coverage options you choose, the number and value of your vehicles, and the driving records of anyone permitted to drive.