How Much Does Chiropractor Business Insurance Cost? 2025 Rates

In 2025, U.S. chiropractors can expect to pay $720 annually for comprehensive business insurance, averaging $60 per month. The primary cost drivers are the type of services offered, years of experience, claims history, number of employees, location of practice, business size and revenue, coverage limits and deductibles

How Much Does Chiropractic Business Insurance Cost?

The average chiropractor business in the U.S. pays $720 per year for a full business insurance package. That breaks down to roughly $60 per month. However, this is just a ballpark range and actual costs can vary widely depending on your specific situation.

Every chiropractic clinic has its own risks and insurance needs, so there’s no single price that fits everyone. A small clinic with just one chiropractor and no staff will pay much less than a large clinic with several employees and lots of equipment. Things like the size of your clinic, the services you offer, your business hours, and your location can all affect how much you pay for insurance.

For example, clinics in areas with higher crime or more lawsuits might pay more for liability coverage. Also, a clinic that offers more hands-on treatments or uses expensive machines may pay more for property insurance than a basic office with only a few tools.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Type of services offered – (affects professional liability coverage)
• Equipment used – (affects commercial Property Insurance)
• Hours of operation – (affects general liability, and property insurance)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your chiropractic business.

Average Chiropractor Insurance Costs For Coverage Types

When it comes to protecting your chiropractic business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most chiropractic businesses need.

• General liability insurance: $35 per month
• Business owner’s policy: $55 per month
• Workers’ compensation insurance: $50 per month
• Commercial auto insurance: $200 per month
• Professional liability / medical malpractice insurance: Costs vary

General Liability Insurance

The average cost of general liability insurance for a chiropractic business is about $35 per month.

General liability insurance for a chiropractic clinic covers third-party bodily injury, property damage, and advertising-related claims. For example, if a patient slips in your waiting room and gets hurt, this insurance can help cover their medical bills and your legal defense costs.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Some chiropractors might need to show they have general liability insurance before they can rent a clinic space or sign a contract with the cost of this coverage depending on the size of your clinic, its location, how many patients you see, your past claims history, and whether you offer higher-risk services like massage therapy or physical rehab.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $55 per month for a chiropractic business.

A Business Owner’s Policy (BOP) combines general liability and property insurance to help protect your business from common lawsuits and damage to your office or equipment.

For example, a patient slips on a wet floor in your clinic and gets hurt. Around the same time, a pipe bursts and damages your office furniture and treatment table. A Business Owner’s Policy (BOP) would help pay for the patient’s medical claim and the cost to fix the water damage and replace your equipment.

Typical policy limits are $1 million per occurrence and $2 million aggregate for liability, with separate property coverage limits based on the value insured.

The cost of a Business Owner’s Policy depends on several things, like how much your office and equipment are worth, how many people visit your clinic, where your business is located, and how many employees you have.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a chiropractic business is around $50 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if a chiropractic assistant hurts their back while lifting a heavy piece of equipment, workers’ compensation insurance helps pay for their medical treatment and part of their lost wages while they take time off to heal.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Commercial Auto Insurance

The average cost of commercial auto insurance for a chiropractic business is about $200 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if you or a staff member get into an accident while driving a company car to a health fair or to deliver equipment, this insurance would help cover the vehicle damage and any injuries or damage caused to others.

Factors influencing the cost include the number and type of vehicles, how often they are used, and the driving records of employees.

Professional Liability / Medical Malpractice Insurance

The average cost of medical malpractice insurance for a chiropractic business varies.

Professional liability (also known as medical malpractice insurance) protects chiropractors against claims of negligence, mistakes, or harm caused during treatment. If a patient believes your care caused an injury, worsened their condition, or didn’t meet professional standards, this insurance helps cover legal fees, settlements, or judgments.

For example, if a patient claims their back pain got worse after a spinal adjustment and sues the chiropractor for improper treatment, professional liability insurance helps pay for the chiropractor’s legal defense and any settlement if they’re found responsible.

What Factors Impact Your Chiropractic Business Insurance Costs?

Several key factors can impact the cost of your chiropractic business insurance. Understanding these variables can help you better manage your insurance expenses while ensuring adequate protection for your business.

Type Of Services

The type of services offered by a chiropractic clinic significantly impacts insurance costs. Practices that stick to standard chiropractic adjustments may have lower premiums, while those offering additional services like acupuncture, massage therapy, or spinal decompression could see higher rates. This is because such services may carry higher liability risks, especially if they involve equipment, physical manipulation, or treatments outside traditional chiropractic care.

Years Of Experience

Years of experience also play a critical role in determining insurance premiums. Chiropractors with many years in practice are generally considered lower risk by insurers, as their experience often correlates with better judgment, refined techniques, and a lower likelihood of claims. In contrast, new practitioners may face higher rates due to their limited track record and the perception of greater risk.

Claims History

If a chiropractor or clinic has a history of frequent or severe insurance claims, particularly for malpractice or bodily injury, they may face higher costs or even difficulty securing coverage. A clean claims history, on the other hand, can lead to more favorable insurance terms and lower premiums

Number Of Employees

The number of employees in a chiropractic office also affects insurance costs, especially for policies like workers’ compensation and employment practices liability insurance (EPLI). Each employee adds to the overall risk exposure of the business, whether through potential workplace injuries or liability for actions taken during patient care. More employees typically mean higher premiums.

Location

Practices located in urban areas or regions with high rates of litigation, theft, or property damage tend to face higher premiums. Additionally, states have varying regulations and insurance requirements for healthcare providers, which can affect how much coverage is needed and how much it costs.

Policy Limits And Deductibles:

Higher coverage limits increase the amount the insurer might have to pay out, which results in higher premiums. Conversely, higher deductibles reduce the insurer’s financial risk, so they usually lead to lower premium rates. Finding the right balance between adequate coverage and affordable costs is key for chiropractic practices.

How To Lower Your Chiropractic Business Insurance Costs

Running a chiropractic business comes with its share of expenses, but your insurance bill doesn’t have to be one of the biggest burdens. While having proper coverage is essential to protect your business, staff, and patients, there are smart, practical ways to keep your insurance premiums in check. Here are some effective strategies to lower your chiropractic business insurance costs:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling all three through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

2. Ask About Discounts

Insurance companies often reward chiropractic practices that commit to a policy long-term. Ask your provider if they offer discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates by paying your premium in full upfront rather than in monthly installments, as this reduces administrative costs for the insurer.

3. Implement Safety Measures

Accidents can be costly for both your practice and your insurer, so reducing the risk of injury can help lower your premiums over time. Taking proactive safety measures, such as keeping treatment rooms and hallways clean and clutter-free, using slip-resistant mats in high-traffic areas, ensuring all equipment is regularly maintained, and properly training staff in patient handling, can decrease the likelihood of accidents and, in turn, reduce your general liability insurance risk.

4. Create A Safe Working Environment

A strong workplace safety program can help reduce your workers’ compensation insurance costs. This includes training staff on proper body mechanics for lifting patients or equipment, safe use of chiropractic tools and tables, fire safety procedures, and maintaining clear, accessible emergency exits. Fewer workplace injuries lead to fewer claims, ultimately resulting in lower premiums over time.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before your insurance coverage takes effect. Opting for a higher deductible can significantly lower your monthly premiums. Just be sure you can comfortably afford that amount if you ever need to file a claim.

By taking these steps, you not only reduce insurance costs but also help create a safer, more resilient chiropractic practice.