How Much Does Chiropractor Business Insurance Cost? 2025 Rates

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 wellness 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 business insurance 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. Many things can affect how much you pay for chiropractic business insurance like:

1. The size of your clinic
2. The services you offer
3. Your business hours
4. Your location 
5. Your credit score
6. Whether you pay annually or monthly

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.

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

Professional Liability / Medical Malpractice Insurance

The average cost of malpractice coverage for chiropractors varies depending on the services offered and state requirements.

Professional liability insurance protects chiropractors against claims that a treatment caused harm, failed to improve a condition, or was performed incorrectly. If a patient alleges that an adjustment worsened their injury and files a lawsuit, this coverage helps pay for legal defense, settlements, or judgments.

Premiums are influenced by the size of the practice, specialty services like decompression therapy or acupuncture, patient volume, and prior claims.

Average annual costs by state:

Note: Estimates reflect market-average annual professional liability (medical malpractice) premiums for chiropractic practices in each state; actual premiums will vary with practice size, services, claims history, coverage limits, and other underwriting factors.

Business Owner’s Policy (BOP)

The average cost of a BOP for chiropractic offices is about $55 per month.

A business owner’s policy combines general liability and commercial property coverage, protecting both the clinic space and business operations. If water damage ruins treatment tables and lobby furniture, or a patient injury results in a liability claim, a BOP provides coverage for both situations in one policy.

Policy cost depends on the value of office furnishings and equipment, clinic location, foot traffic, and staff size.

Average annual costs by state:

Note: Estimates reflect typical annual BOP premiums tailored to chiropractic practices in each state; actual premiums will vary with business size, location, coverage limits, property value, and other underwriting factors.

General Liability Insurance

The average cost of general liability coverage for chiropractic practices is about $35 per month.

General liability protects against third-party injuries, accidental property damage, and advertising-related claims. If a patient slips in the reception area and needs medical treatment, this insurance covers costs associated with the incident and any legal fees that follow.

Premiums vary based on patient volume, clinic location, treatment offerings, and past claim history.

Average annual costs by state:

Note: Estimates are based on market-average annual premiums for chiropractic general liability coverage and are approximate; actual premiums will vary with practice size, services offered, claims history, limits chosen, and state-specific factors

Commercial Auto Insurance

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

If a chiropractor or employee drives a business-owned vehicle to community events, corporate wellness sessions, or equipment deliveries, this coverage pays for accident-related vehicle damage and third-party injury costs.

Costs depend on vehicle type, annual mileage, driving records, and how many vehicles are insured.

Average annual costs by state:

Note: Estimates reflect typical annual commercial auto premiums for chiropractic practices in each state; actual premiums will vary with fleet size, vehicle types, driving records, coverage limits, and other underwriting factors.

Workers’ Compensation Insurance

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

This coverage pays for medical treatment, wage replacement, and rehabilitation if an employee is injured while working. For example, if a staff member strains their back lifting equipment, workers compensation helps cover treatment costs and lost income.

Premiums depend on payroll size, staff roles, safety measures, and past injury claims.

Average annual costs by state:

Note: Estimates reflect typical annual workers’ compensation premiums for chiropractic practices in each state; actual premiums will vary with payroll, classification codes, claims history, and state-specific rules.

Chiropractic Business Insurance Costs By Provider

Chiropractic business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: Estimates are based on average annual premiums and typical coverages for chiropractic practices; actual premiums will vary by location, services offered, revenue, claims history, and coverage limits

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 for Your Chiropractic Business

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 of Chiropractic Business

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.