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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 seek to hold you accountable.

Chiropractors Indemnity insurance is designed to protect you if something goes wrong while you’re treating a patient, it includes cover against a wide range of risks like claims of professional negligence.1

Manadatory Chiropractic insurance 

If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Chiropractic Board of Australia standard.2

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 on their phone, and not paying attention to the world around them. While their head is buried in the fictional world of their favourite game they could trip over a chair in your waiting room, sending them toppling toward earth; losing their game, breaking their phone and twisting their ankle. They could make a claim that you were at fault and that you’re liable.   

Chiropractors Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises.1

I am going on Parental leave. Can I place my policy on hold?

We are able to apply a 50% discount off the base premium on a pro-rata basis effective from the date you notify us that you will be going on parental leave.1

Chiropractor insurance cover benefits:

Public and Products Liability cover options
$10 Million and $30 million in the aggregate.1
Or
$20 Million and $60 million in the aggregate.1
Professional Indemnity cover limits
$20 million.1
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 facts or circumstances which could give rise to a claim, before you purchased the policy.1
 
Subject to eligibility criteria.
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.1

Better for Chiropractors in 3 simple ways

Frequently Asked Questions

What does Chiropractic insurance cover?
Professional Indemnity covers1:
 
Claims made against you and notified to the insurer 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 for1:
 
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.
How much is Chiropractic insurance?

We arrange insurance designed for Chiropractors at competitive prices. Our prices start as low as $1,083.50.5

What level of complimentary legal advice can I receive?

A total of 1 hour of complimentary legal advice is offered when you hold a Professional Indemnity policy arranged through Aon. You can call the Legal Helpline up to a total of 1 hour in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.

I am going on Parental leave. Can I place my policy on hold?

We are able to apply a 50% discount off the base premium on a pro-rata basis effective from the date you notify us that you will be going on parental leave.1

  1. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.

  2. Chiropractic Board of Australia - Registration standard: Professional indemnity insurance arrangements.

  3. 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.

  4. Cover is not provided in respect of activities in the United States of America Canada and their territories.

  5. Insured being qualified/registered as required, and when applicable - member of relevant association, also takes into account eligibility/referral/underwriting questions and category of cover selected including limit of liability of Professional Indemnity $20,000,000 & Public & Products Liability of $10,000,000. Excluding optional extensions. Government charges will differ from state to state and affect the premium payable.

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.

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