There are more than 30,000 chiropractors practicing in Massachusetts. Although malpractice claims against chiropractors are rare, when they happen, they can be devastating for practitioners and practices that aren’t covered by chiropractor liability insurance.
If you are among the many chiropractors in Massachusetts, 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 type of professional liability insurance that is specifically designed to cover licensed chiropractors and chiropractic practices against liability lawsuits.
This insurance can cover your liability expenses including court costs, legal defense fees, settlements, and other damages if a patient or a patient’s family sues you due to a death, injury, or health problem that can be attributed to negligent chiropractic treatment at your facility.
Are Chiropractors in Massachusetts Required to Carry Malpractice Insurance?
Chiropractors in Massachusetts are required to be insured. The Massachusetts Board of Registration of Chiropractors (which is part of the Federation of Chiropractic Licensing Boards) will only issue board certification to qualifying practitioners if they carry malpractice insurance.
How Much Do Chiropractors Pay for Malpractice Insurance in Massachusetts?
Lawsuits against chiropractors are rare because the risk of chiropractic treatments resulting in severe injuries or death is very low. Therefore, the cost for chiropractor’s liability insurance is much less expensive than most medical malpractice policies.
On average, chiropractors in Massachusetts pay about $370 a year for their malpractice insurance.
Independent insurance agents can help you compare policies and costs from a few top-rated insurance companies so you can be sure you are getting the coverage you need at a competitive price.
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What Does Massachusetts Chiropractor Liability Insurance Cover?
If you or your practice end up on the wrong end of a liability lawsuit, your chiropractors malpractice insurance can cover expenses such as the following.
- Legal fees
- Court costs
- Arbitration costs
- Punitive or compensatory damages
- Other related financial damages
Lawsuits against chiropractors do not occur frequently but they do happen. The most common reasons for malpractice claims against chiropractors are because of the following.
- Physical injuries caused by negligence: This can result from claims that treatments aggravated a previous injury or caused a new one.
- Stroke caused by a chiropractic adjustment: While there is a lot of controversy surrounding this claim, some people believe that chiropractic adjustments to the neck can lead to the sudden onset of a stroke. If a patient happens to have a stroke shortly after visiting your practice, you may need to defend yourself in court.
- Failure to properly diagnose a medical condition: If you fail to properly diagnose a serious medical problem or provide a misdiagnosis that causes a patient to experience serious medical problems, you can be sued for negligence.
Talk to a local independent insurance agent to learn more about how chiropractor liability insurance can protect you.
What Does Massachusetts Chiropractor Liability Insurance Not Cover?
As with any insurance product, chiropractor malpractice insurance has some limitations. For example, claims will likely be denied for cases involving the following.
- Illegal / criminal acts
- Sexual misconduct
- Altered medical records to cover up evidence of professional negligence
Your claim may also be denied if it is discovered that you intentionally provided false or misleading information to your insurance provider when you applied for coverage.
The easiest way to avoid having a claim denied is to run an above-board practice. So long as you act within the confines of the law, any malpractice insurance claims you file are likely to be honored.
How to Get the Best Malpractice Insurance for Chiropractors in Massachusetts
If you are a chiropractor who is looking for the best and most affordable malpractice 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.
There are nearly 1,300 independent insurance agents in Massachusetts. Arrange a one-on-one consultation with an insurance agent near you to discuss chiropractor liability coverage as well as any other insurance products you may need.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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