Although malpractice claims against chiropractors are infrequent, they can be devastating for practitioners and practices that aren’t covered by chiropractor liability insurance.
If you are a chiropractor in Arizona, a local independent insurance agent can help you find a suitable policy at a competitive price. Talk to an insurance agent near you to get more information about chiropractor malpractice insurance.
What Is Chiropractor Malpractice Insurance?
Chiropractor malpractice insurance is a specialized professional liability insurance that is specifically designed to protect licensed chiropractors and chiropractic practices.
This insurance can cover your liability expenses including court costs, legal defense fees, damages, settlements, and other financial obligations if a patient or a patient’s family sues you due to a death, injury, or health problem that can be tied to treatment at your facility.
Are Chiropractors in Arizona Required to Carry Malpractice Insurance?
Chiropractors in Arizona are not required to carry malpractice insurance. The State of Arizona Board of Chiropractic Examiners will issue board certification to qualifying practitioners whether or not they have this insurance.
Although it is not required, many chiropractors in this state carry this insurance anyway. The added protection can help them prevent a potential liability lawsuit from caused significant financial damage to their practice.
How Much Do Chiropractors Pay for Malpractice Insurance in Arizona?
The risk of chiropractic treatments resulting in severe injuries or death is very low, so the cost for chiropractor’s liability insurance is much less expensive than most medical malpractice policies.
On average, chiropractors in Arizona pay about $30 a month for their malpractice insurance.
Shopping around for the best coverage at the lowest rate can save you a lot of money in the long run. Independent insurance agents make comparison shopping easy.
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What Does Arizona Chiropractor Liability Insurance Cover?
Chiropractors malpractice insurance is designed to cover your costs if you are sued following an injury or death that can be linked to a chiropractic treatment.
If you or your chiropractic facility is sued for malpractice, you can expect your liability insurance to cover the following.
- Court costs
- Legal defense fees
- Settlement costs
- Arbitration costs
- Punitive or compensatory damages
- Other financial damages
The most common reasons for chiropractor malpractice claims are because of accusations of the following.
- Physical injuries due to negligence: This can result from claims that your chiropractic treatments aggravated a previous injury or caused a new one.
- Stroke caused by a chiropractic adjustment: While a controversial subject, some people believe that chiropractic adjustments to the neck can lead to the onset of a stroke. If a patient happens to have a stroke shortly after visiting your practice, you may end up on the wrong side of a costly lawsuit.
- Failure to properly diagnose a medical condition: If one of your patients experiences serious medical problems following an improper diagnosis or your failure to recognize an existing problem, they may sue you for negligence.
Talk to a local independent insurance agent to learn more.
What Does Arizona Chiropractor Liability Insurance Not Cover?
As with any insurance product, there are some exclusions to what can be covered by your chiropractor malpractice insurance. For example, claims may be denied for cases involving the following.
- Illegal or criminal acts
- Sexual misconduct
- Altered medical records to cover up evidence of negligence
Your claim may also be denied if you intentionally provided false or misleading information when applying for coverage.
The easiest way to avoid a claim denial is to run your practice above board. As long as your business acts within the confines of the law, any insurance claims you file are likely to be honored.
How to Get the Best Malpractice Insurance for Chiropractors in Arizona
If you are a chiropractor who is looking for the best and most affordable liability coverage, a local independent insurance agent can help. These agents are free to work with several different insurance companies to help you find a suitable policy at a competitive price.
Set up a one-on-one consultation with an independent insurance agent near you to discuss chiropractor malpractice coverage as well as any other insurance products you may be interested in getting more information about.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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