This is a current directory of all of the insurance companies that offer malpractice insurance to members of the chiropractic profession:
BENEFIT SERVICES GROUP, LTD.
Claims Made policy
Serving the chiropractic profession for 17 years
Approximately 500 policyholders
Offered to residents of Florida, Georgia, West Virginia, Missouri, South Carolina, North Carolina, Virginia. Offers sales and service for all of the chiropractor's professional needs.
For more information call 800-438-6673
NATIONAL CHIROPRACTIC MUTUAL INSURANCE COMPANY
Occurrence Policy
Serving the chiropractic profession for 44 years
20,680 policyholders
Offered in 50 states and the District of Columbia. Limits of liability range from $50,000/$150,000 to $1,000,000/$1,000,000 with discounts for eligible semi-retired DCs and new graduates. It includes a "consent to settle" clause, supplementary claims expense (legal fees) and provides coverage for non-licensed employees.
For more information call 800-247-8043
In Iowa call collect 515-224-3270
OUM GROUP
Claims Made Policy
Serving the chiropractic profession for seven years
3,500 policyholders
Limits of liability include $100,000/$300,000; $200,000/$600,000; $250,000/$750,000; $500,000/$1,500,000; $1,000,000/$3,000,000. Attendance at Risk Management courses earns premium credits. A.M. Best "A" rated coverage available for chiropractors.
For more information call 800-423-1504
PRINCETON INSURANCE COMPANY
Occurrence policy
Serving the chiropractic profession for six years in New Jersey and for two years in Pennsylvania
Offered to Pennsylvania and New Jersey residents only
The limits apply from the day that the claim was reported as opposed to the day that the incident occurred. Extended reporting coverage is incorporated in the policy and does not have to be purchased separately at the end of the policy term. Limits are available to $2,000,000/$4,000,000 at competitive rates.
For more information call 609-452-9404
PROMED INTERNATIONAL, LTD.
Claims made policy converts to occurrence, at no cost, if the doctor is insured with Promed for at least five years prior to retirement
Serving the chiropractic profession for four years
428 policyholders
Offered to California residents only
Only 1 out of every 107 of Promed's insureds have claims against them, compared to 1 out of 23 with other selected insurance companies. Promed offers $500,000/$500,000 and $1,000,000/$1,000,000 limits with graduate discounts, maternity leave, and preceptor program.
For more information call 714-832-0344
When sports chiropractors first appeared at the Olympic Games in the 1980s, it was alongside individual athletes who had experienced the benefits of chiropractic care in their training and recovery processes at home. Fast forward to Paris 2024, where chiropractic care was available in the polyclinic for all athletes, and the attitude has now evolved to recognize that “every athlete deserves access to sports chiropractic."
It is estimated that 61% of patients with CTS avoid taking surgical options due to postoperative complications and costly surgical procedures. Chiropractic care offers a comprehensive and effective treatment for carpal tunnel syndrome, addressing the condition from multiple angles. Recent studies also have unveiled a game-changing adjunct to chiropractic treatments for CTS: nerve flossing.
Some doctors thrive in a personality-based clinic and have a loyal following no matter what services or equipment they offer, but for most chiropractic offices who are trying to grow and expand, new equipment purchases help us stay relevant and continue to service our client base in the best, most up-to-date manner possible. So, regarding equipment purchasing: should you lease, get a bank loan, or pay cash?
