Does Chiropractic Malpractice Insurance Cover Adjustments?

Chiropractors improve patient health through spinal adjustments, massage therapy, and other noninvasive treatments. However, no medical professional is immune to risks. Chiropractic malpractice insurance exists to protect practitioners against potential claims. But does chiropractor malpractice insurance cover adjustments, the most common service chiropractors offer? The answer is yes, though there are important nuances that every practitioner should understand.

Coverage for Spinal Adjustments

Chiropractic malpractice insurance typically includes coverage for spinal adjustments, as these services are considered part of a chiropractor’s regular professional duties.

Adjustments often attract the most attention because they involve physical manipulation of the spine, which inherently carries a degree of risk. Patients might allege injury or complications resulting from adjustments, even if the procedures were carefully executed. A strong malpractice insurance plan ensures that chiropractors are not financially overwhelmed if such claims arise.

Chiropractors can secure policies that cover legal fees, settlements, and lost income during trials. For example, plans that offer “defense cost outside the limits of liability” mean legal expenses will not reduce the coverage available for settlements, offering complete financial protection for practitioners.

Consent-To-Settle Provisions

One significant feature found in many malpractice insurance policies is the “consent to settle” clause, which ensures chiropractors have a say in any proposed legal settlements by the insurance company.

This provision is particularly beneficial for chiropractors handling claims involving adjustments, as it allows them to defend their actions without feeling pressured into agreements they deem unsatisfactory. Reviewing policies carefully to confirm this clause is critical when seeking optimal protection.

Scope of Practice and Customized Policies

Chiropractic malpractice insurance ensures coverage for procedures within a practitioner’s legal scope of practice. Adjustments, as a core part of chiropractic services, are squarely within this scope.

However, chiropractors offering additional treatments, such as acupuncture or manipulation under anesthesia (MUA), may require supplementary coverage. Insurers like Baxter Pro simplify this process by providing customizable malpractice plans tailored to unique service offerings and state regulations.

Chiropractors can gain peace of mind by securing chiropractor malpractice insurance that matches their needs and clarifying whether their chiropractor malpractice insurance covers adjustments. This clarity allows them to focus on patient care while safeguarding their careers from unforeseen circumstances.

Comprehensive Insurance Matters

Even in cases where patient claims lack solid evidence, the financial burden of legal fees can be substantial. Comprehensive malpractice insurance protects chiropractors financially, whether they are defending themselves against baseless accusations or settling valid complaints.

Contact Baxter Pro today to explore your coverage options and guarantee you are properly covered. This protection is invaluable, as it will ensure the continuity of your operations and shield your personal assets.