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Professional Indemnity and Public Liability Insurance for Chiropractors


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Tailored insurance for Chiropractors

Chiropractors insurance includes both Professional Indemnity and Public Liability in one policy.

Why do Chiropractors need Professional Indemnity insurance?

You have a 'hands-on' career, literally. You must be hands-on for spinal manipulation and other alternative treatments to align a patient's spine as well as their body's musculoskeletal structure. While you’re doing your best to help your patient, they could claim that your treatment didn’t work or made a pre-existing condition worse and hold you liable. 

Professional Indemnity insurance includes cover for your legal fees and the cost of compensation if a patient brings a professional negligence claim against your Chiropractic practice. 

Manadatory Chiropractic insurance 

If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Chiropractic Board of Australia standard.1

Why do Chiropractors need Public Liability insurance?

Patients and members of the public could continually be dropping in and out of your practice. One of these people could be playing Pokémon on their phone, enter your premises, kick and break their toe and as a result smash their phone. 

Public Liability insurance provides cover for legal liabilities that your Chiropractic business may face. So, if some Pikachu claims that they were injured, or damage was caused to their phone due to your business dealings or on your premises, we’ve got your back.

Chiropractor insurance cover benefits:

Professional Indemnity cover limits
$20 million.3
Option Public and Products Liability cover
$10 million and $30 million in the aggregate. or $20 million and $60 million in the aggregate.3
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or the facts of circumstances which could give rise to a claim, before you purchased the policy.
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating. 
Complimentary Legal Advice
1 hour complimentary legal advice
You could save hundreds of dollars on outside legal costs with 1 hour of complimentary legal advice that's included in this policy3
$0 Excess
Professional Indemnity - NIL.3

Better for Chiropractors in 3 simple ways

Frequently Asked Questions

What is covered by Chiropractic insurance?
Professional Indemnity covers:
 
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
 
Public and Products Liability covers legal liability for:
 
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.4
The sale or supply of a product that causes bodily injury or property damage.
What level of complimentary legal advice can I receive?

A total of 1 hour complimentary legal advice is offered when you hold a Professional Indemnity policy through Aon. You can call as often as you like for any business-related matters up to a total of 1 hours in each policy year. 

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

Restrictions: can't seek advice on the policy. 

What price does Chiropractic insurance start at?

We arrange insurance designed for Chiropractors at competitive prices. Our prices start as low as $1,083.503

  1. Chiropractic Board of Australia - Registration standard: Professional indemnity insurance arrangements
  2. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  3. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  4. Cover is not provided in respect of activities in the United States of America or the Dominion of Canada and their territories.

Disclosure and Disclaimer:

Professional Indemnity, Product Liability and Public Liability Insurance for Chiropractors is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

Terms, conditions, exclusions and limits apply

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