Beyond Malpractice: Coverage Every Chiropractor Should Know About

Essential Risk Management Tips from ChiroFutures to Protect Your Practice, Staff, and Income

Protecting More Than Just Your Adjusting Hands

Many chiropractors think malpractice insurance is enough. But as Jose Mercado of Sonora and ChiroFutures made clear in a recent Florida Chiropractic Society webinar, that mindset leaves your practice wide open to serious risks. From property loss and cyberattacks to employment lawsuits and auto accidents, there are dozens of scenarios where traditional malpractice coverage falls short.

"You don’t know you need it until you actually need it."

That message came through loud and clear.

Three Core Areas Chiropractors Overlook

Mercado walked attendees through three essential insurance categories that chiropractors often ignore but shouldn’t:

• General Liability and Property Insurance
  Covers slips and falls, parking lot injuries, toilet floods, signage damage, and even the business interruption costs if your office is shut down due to a fire or flood.

"Your business relies on patients—if you can’t see them, you’re losing income. Some carriers will even cover rent at a temporary location to keep your practice running."

• Workers’ Compensation
  Many doctors wrongly assume they don’t need this because they have “only part-time help.” But some states (like Florida) require it even with a single employee. And misclassifying associates as 1099s can trigger legal and financial disasters.

"Just because someone is paid as a contractor doesn’t mean they are one under the law."

• Disability Insurance and Business Overhead Coverage
  If you can't use your hands, your income stops. Long-term disability insurance with an “own occupation” clause ensures you're covered even if you can't perform chiropractic care—even if you could technically do another job.

"This is income protection—plain and simple."

Add-Ons That Could Save Your Practice

Mercado also outlined several policy add-ons that can mean the difference between survival and financial ruin:

• Cyber Liability: From HIPAA breaches to online defamation, your digital presence creates risk.
  "Anything you put online or that gets stolen from you digitally needs coverage."

• Employment Practices Liability Insurance (EPLI): Covers claims of harassment, discrimination, and wrongful termination—even if you did nothing wrong.
  "In today’s environment, employees are more sensitive. This isn’t the 1990s anymore."

• Non-Owned Auto and Hired Auto Endorsements: If your front desk staff runs errands and gets in an accident, your personal auto policy won’t protect you.
  "If you don’t have this coverage, they’re coming after you personally."

• Commercial Auto: Essential for mobile chiropractors and anyone using a vehicle primarily for work.
  "Don’t wait to find out your personal carrier won’t cover a work-related crash."

Know What You’ve Got—Or Risk Everything

The webinar made one thing clear: chiropractors are leaving themselves exposed by not knowing what insurance they actually have—or what they really need. Even associates should be asking hard questions.

"If your employer carries these policies, that’s a good sign they’re protecting you too."

ChiroFutures: Not Just Malpractice Coverage

For many, the most eye-opening part of the webinar was discovering that ChiroFutures offers far more than malpractice insurance.

"I’ve been a ChiroFutures client for years and didn’t know they offered anything else. That changes now."

Whether you're a solo doc, associate, or multi-location owner, ChiroFutures has partnered with top carriers to offer comprehensive, chiropractic-specific coverage tailored to your real risks.

Next Steps:

Check your existing coverage. Don’t wait until there’s a lawsuit, flood, or accident to realize you’re exposed. ChiroFutures clients can contact their risk management team to review options and add these critical layers of protection.

Learn more at: chirofutures.org

Stay safe. Stay covered. Protect your future.