The adjustment is the exposure, and the clinic around it is a separate one.

Professional liability

Covers the advice, the drawing, the diagnosis. The work itself, rather than someone getting hurt on your premises.

Without it — Injury alleged to arise from an adjustment is the defining claim, and it is what the licensing board expects you to carry.

General liability

Third-party bodily injury and property damage. It is the line nearly every contract names by default.

Without it — A patient who falls in reception or is injured on a table is a premises claim, separate from the treatment.

Commercial property

Buildings and contents, valued at what it costs to rebuild today rather than what you paid.

Without it — Tables, imaging and clinic fit-out represent most of the practice’s capital.

Cyber & tech E&O

Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.

Without it — Patient records and imaging are health data with breach notification duties attached.

Workers compensation

Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.

Without it — Required with employees, including part-time front desk staff.

Business income

Replaces the profit and pays the ongoing bills while a covered loss keeps you closed. It is the part of a fire claim that is not the building.

Without it — A closed clinic still pays rent and staff.

Sexual abuse & molestation

Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organization working with children, patients or vulnerable adults will be asked to carry it by name.

Without it — Hands-on treatment in a private room is an allegation exposure standard general liability excludes.

Equipment breakdown & spoilage

Covers the walk-in, the compressor and the line when they fail from the inside. A mechanical or electrical breakdown is excluded by property policies, and the stock that thawed goes with it.

Without it — Imaging and therapy equipment fails, and property policies exclude the failure itself.

Is malpractice enough for a chiropractic clinic?

It covers the adjustment and not the clinic. The premises, the staff, the equipment, the records and the income are separate exposures with separate policies, and a practice that grows from a single room to a staffed clinic usually has not revisited the coverage since it was one room. The gap is rarely the malpractice limit; it is everything else.

Do imaging or additional modalities change the policy?

They should be disclosed. On-site imaging adds equipment value and a separate regulatory dimension, and adjunct modalities — decompression, laser, rehabilitation, nutritional advice — may sit outside a policy written for adjustment alone. Which of them are covered is worth confirming rather than assuming.

What about associates and independent contractors?

Confirm who is insured under what. An associate practicing under the clinic’s name may or may not be covered by the clinic’s policy, and an independent contractor with their own policy may leave the clinic exposed to a claim naming both. No structural gap is more common in multi-practitioner clinics.

What does a chiropractic insurance application ask for?

The applications for chiropractic businesses ask about 4 things above all: what type of medical facility are you (such as clinic, home health, urgent care); how many full-time and part-time employees do you have, and what is your total annual payroll; do you have a formalized process for patient referrals; have you or any predecessor ever had an insurance claim. Have your five-year claims history from your current insurer, with details about each claim and your current licenses and certifications ready and a quote takes a day instead of a week.