Steve Muehler - Commercial Insurance - Chiropractors Professional Liability Insurance is backed by the financial strength of an insurance company rated "A" by A.M. Best, and affords you comprehensive coverage for many unique risks that Chiropractors face today, such as (but not limited to):
Occurrence and Claims Made Based Coverage,
HIPAA Fines & Penalties,
What coverage can professional liability insurance provide for healthcare professionals?
Incorrect diagnosis or poor advice:
A doctor who gives a misdiagnosis or a physical therapist who offers faulty advice could end up worsening a patient’s condition. If that patient sues and you don’t have proper coverage, you could end up paying for a legal defense with your own assets. Professional Liability Insurance can cover expenses related to the lawsuit, including judgments and settlements.
Accusations of negligence:
Nurses, home healthcare providers, and other healthcare professionals are highly susceptible to claims of negligence. For example, a patient could claim that a Nurse’s neglect caused bed sores. If the patient files a lawsuit, Professional Liability Insurance can cover legal expenses, such as the cost of hiring an attorney.
Mistakes or oversights:
Even if a claim is frivolous, an alleged error could still result in a costly malpractice lawsuit. If poor imaging leads to a misdiagnosis, for example, a radiology lab could be held responsible. Professional Liability Insurance can help pay for your legal costs, including attorney’s fees and court-ordered judgments.
Other important policies for healthcare professionals:
While Professional Liability Insurance guards against work errors and negligence, it does not provide complete protection. Accidental injury and property damage are daily risks for any healthcare business. Other policies to consider include:
General liability insurance: This policy can pay legal expenses related to patient property damage and injuries, along with advertising injuries such as slander.
Business owner’s policy: This policy bundles general liability insurance with commercial property insurance, often at a lower rate than if the policies were purchased separately.
Workers’ Compensation Insurance: Required in almost every state for healthcare businesses that have employees, workers’ comp can cover medical expenses for work injuries.
Cyber liability insurance: This policy helps healthcare professionals survive data breaches and cyberattacks by paying for recovery expenses and other associated costs.
Below you will find a link to our General Chiropractor Professional Liability Insurance Application Form. In an order to "Get to Know You and Your Business Better" please complete as much (or as little) as you feel and send to us. This will allow us to have a general knowledge of your business before scheduling a time to speak (phone or video conference) or to meet in person.