Chiropractic Malpractice Insurance: Key Exclusions

Chiropractic professionals require insurance to protect their practice from potential claims. While a comprehensive policy provides significant security, it is important to know what it does not cover.

Don’t get caught unprepared. Read up on the key exclusions in chiropractic malpractice insurance so you can manage your practice’s risks effectively.

Services Outside Your Scope of Practice

Your chiropractic malpractice insurance covers you for services within your legally defined scope of practice. If you perform procedures or offer treatments that you are not licensed to provide, your insurer will likely deny any resulting claims. Common examples may include the following:

• offering nutritional advice beyond your certification
• performing services that require a different medical license
• using unapproved or experimental techniques

It is critical to practice strictly within the boundaries set by your state’s licensing board to maintain your coverage.

Business and Administrative Disputes

Malpractice insurance addresses claims related to patient care and professional services. It does not cover general business liabilities. For example, disputes with employees, claims of wrongful termination, or issues related to your office lease are not included. You would need separate business insurance policies, such as general liability or employment practices liability, to cover these risks.

Intentional and Criminal Acts

Intentional harm or criminal behavior are standard exclusions in any professional liability policy. Insurers will not cover claims that arise from fraudulent activities, such as billing for services never rendered. Similarly, any illegal act or assault on a patient falls outside the scope of coverage. These policies are designed to protect against professional negligence, not deliberate misconduct.

Secure Your Practice

Safeguard your career by talking to your insurance provider about the key exclusions in your chiropractic malpractice insurance. You’ll protect your patients and your practice by securing the right coverage and practicing within professional guidelines. Contact Baxter Pro today for chiropractic liability insurance that aligns with your practice.