Chiropractic malpractice and the clinic around it.
Malpractice for each chiropractor, plus general liability, property, cyber and workers' comp for the clinic, whether you practice alone or run a multi-provider office.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
The adjustment and the office
Chiropractic malpractice covers claims that an adjustment or treatment caused an injury. The clinic needs its own coverage too: a patient who falls in the waiting room, a data breach of patient records, and the employees who work there.
I place chiropractors and clinics with carriers that write chiropractic, and coordinate the malpractice and business coverage so nothing falls between them.
- MalpracticeClaims an adjustment or treatment caused an injury.
- General liabilitySlips and falls in the clinic.
- Cyber liabilityPatient records and billing data.
- Workers' compFront desk staff, assistants and therapists.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Providers: chiropractors, therapists and staff.
- Services: adjustments, rehab, massage, decompression and anything else.
- License: California Board of Chiropractic Examiners license numbers.
- Office: owned or leased, square footage and equipment values.
- Revenue: annual gross receipts.
- History: current policies and any claims.
Chiropractor insurance, answered
What does chiropractic malpractice cover?
Claims that your treatment caused an injury, including defense costs, up to the policy limits.
Is malpractice enough for my clinic?
No. Malpractice covers your professional work, not a patient falling in the office, the building or your employees.
Are massage therapists in my office covered?
Only if they're added. Employed therapists can usually be added; independent ones often need their own policy.
Do I need cyber liability?
If you keep patient records or take payments, a breach can trigger notification costs and claims. It's worth pricing.
Do you offer chiropractor insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your practice. I'll shop it.
Providers, services and your current declarations page are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.