Chiropractor Malpractice Insurance: What’s Not Covered?

Chiropractors are dedicated to patient care and well-being, yet like all medical professionals, they face unique risks and responsibilities. Protecting a chiropractic practice involves having solid malpractice insurance, but it’s crucial to understand the limits of this coverage.

Chiropractor malpractice insurance, while comprehensive, doesn’t protect against every risk. Knowing what’s not covered under chiropractor malpractice insurance helps practitioners make informed choices to safeguard their careers and businesses.

Exclusions for Intentional or Criminal Acts

Malpractice insurance policies protect professionals from the financial repercussions of honest errors or accidents. However, they generally exclude intentional wrongdoing or criminal acts.

Intentionally harmful actions, unethical practices, or criminal activities aren’t covered by chiropractor malpractice insurance. For example, if a chiropractor knowingly commits fraud or engages in illegal billing practices, insurance will not provide support. Being vigilant about legal compliance and maintaining ethical practices are essential to avoid unprotected liabilities.

Coverage Gaps for Certain Procedures

Some malpractice policies may limit coverage for high-risk or invasive procedures. Depending on the policy’s specifics, certain practices, such as administering injections or performing therapies outside standard chiropractic care, may fall outside the scope of coverage.

For instance, if a chiropractor decides to offer nontraditional treatments that don’t align with their primary expertise, they could be operating in a coverage gap. Reviewing policy details and aligning practice activities with coverage limitations is vital for maintaining adequate protection.

Exclusion of Claims Arising From Unlicensed Practice

Malpractice insurance policies cover licensed chiropractors practicing within the boundaries of their licensure. Any claims arising from services rendered without an active, valid license or in jurisdictions where the chiropractor isn’t licensed are typically excluded from coverage.

Ensuring compliance with all licensing requirements and keeping credentials current are steps that protect chiropractors legally and financially. If a lapse in licensure occurs, even unintentionally, a chiropractor may not have coverage for claims during that period.

Claims Stemming From Employment Disputes

While malpractice insurance protects against patient-related claims, it doesn’t cover disputes within the workplace, such as employment issues. Claims related to wrongful termination, harassment, or discrimination among staff members don’t fall under chiropractor malpractice insurance.

For these issues, chiropractors may need separate coverage, such as employment practices liability insurance (EPLI). Maintaining clear policies and respectful workplace practices also reduces the likelihood of employment-related disputes.

Financial Damages Not Directly Related to Patient Care

Malpractice insurance protects chiropractors from patient-related claims and treatment errors. However, it doesn’t extend to broader business risks, such as property damage or general liability.

For example, if a patient slips and falls in the practice’s waiting area, this type of incident is usually covered by general liability insurance, not malpractice coverage. Chiropractors should consider additional policies that address other business risks to ensure comprehensive protection for all aspects of their practices.

Understanding what’s not covered under chiropractor malpractice insurance helps practitioners proactively approach risk management. Chiropractors should consider adding complementary policies to enhance protection, as relying solely on malpractice insurance will leave critical gaps. Chiropractors should also contact Baxter & Associates for help finding the best chiropractic liability insurance for their area and budget.