Professional Indemnity Insurance for Chiropractors

Professional Indemnity insurance provides essential financial cover and protection for Chiropractors in the event a claim is made against them for an error or omission that may make during the course of their work.

Chiropractors work and focus on the diagnosis and treatment neuromuscular disorders with an emphasis on treating through manual adjustments and manipulations of the spine. Most Chiropractors are there to help people reduce pain they may be feeling and improve function. Also, to help educate them on how they can account for their own health with exercise, ergonomics and therapies to reduce pain.

Helping improve someone’s pain can dramatically change someone’s quality of life. Chiropractors have the ability to help people and with this people trust Chiropractors and the skills they have. With this role there is always the possibility that an error or omission could be made on the part of the Chiropractor. No matter how practice or experience you may be there is always the possibility that you could make a mistake.

In Australia it is required by the Chiropractic Board of Australia that a Chiropractor has an appropriate level of Professional Indemnity Insurance while they are practicing as a Chiropractor. Additionally to this they require that you have a certain level of run off cover after you cease practicing as well. The exact summary from the Chiropractic Board of Australia is as follows:

“This standard sets out how the Board will apply section 38(1)(a) of the National Law, which requires that practitioners must not practise unless covered by appropriate professional indemnity insurance (PII). The Board requires that practitioners maintain a minimum level of cover of not less than $10 million for any single claim with appropriate run off cover that covers them for 7 years since they ceased practice.”

For more information please click here for the PDF from the Chiropractic Board of Australia. Some of the keys areas of exposure for a Chiropractor are:

• Negligence while providing therapy or treatment • Wrong advice being given to clients • Failure in developing appropriate programs for clients

The above represents some of the key exposure and in no way all of them. If you need more information please contact is directly.

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