Insurance Checklist

Whether you're an associate, independent contractor or own your practice, having the right business insurance can make a difference in your financial security.

What types of insurance should you consider? This checklist provides a good starting point. Our agents can answer questions you may have about your specific needs to protect yourself and your chiropractic business.

If You're an Associate

The D.C. who hires you may have insurance coverage for the property and liability related to the practice. But you may need additional insurance for:

  • Property – If you own your own table, store your patient data, have damage to a computer or loss of business income you may need property insurance.
  • General liability and umbrella insurance – These may be important for additional protection, especially if you are sued for libel, slander, advertising misprints, slips and falls.
  • Auto – If you drive your personal car for work, we can help you decide if a personal auto insurance policy is best or if you need a business auto policy.

If You Own Your Practice

Consider these policies, but discuss your specific situation with one of our experienced agents to make sure you have the insurance you need.

  • Business Owners' Policy (BOP) – This combines both property and liability coverage and may be a cost-effective choice for your practice.
  • Data breach insurance – If patient data is jeopardized, this insurance policy may cover both electronic and paper records.
  • Workers' compensation insurance – State law may require you to have this type of insurance if you have hired a receptionist, office manager or other employee.
  • Employment Practices Liability Insurance (EPLI) – This provides coverage if you are sued for wrongful termination, sexual harassment, discrimination, violation of the Family Medical Leave Act and more.
  • Product liability insurance – You may want to have this insurance if you are reselling or labeling supplements or other health products.

If You're an Independent Contractor

Consider these policies, but discuss your specific situation with one of our experienced agents to make sure you have the insurance you need.

  • Property – If you own your own table, store your patient data, have damage to a computer or loss of business income you may need property insurance.
  • General liability and umbrella insurance – These may be important for additional protection, especially if you are sued for libel, slander, advertising misprints, slips and falls.
  • Auto – If you drive your personal car for work, determine if a personal auto insurance policy is best or if you need a business auto policy.

Business Insurance

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Call us for helpful support at 800-769-2000 ext. 8180

NCMIC Insurance Services is a licensed insurance agency. Insurance coverage is underwritten through many of the nation's leading insurance carriers. CA license #0B84564. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc.