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Business Insurance Checklist

Take the guesswork out of figuring out what kind of coverage you need.

Not Sure What You Need?

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

Start Here

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

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.

  • This combines both property and liability coverage and may be a cost-effective choice for your practice.

  • If patient data is jeopardized, this insurance policy may cover both electronic and paper records.

  • State law may require you to have this type of insurance if you have hired a receptionist, office manager or other employee.

  • This provides coverage if you are sued for wrongful termination, sexual harassment, discrimination, violation of the Family Medical Leave Act and more.

  • You may want this insurance if you are reselling or labeling supplements or other health products.

If You're an Independent Contractor

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

  • If you own your own table, store your patient data you may need property insurance to protect against damage to a computer or loss of business income.

  • These may be important for additional protection, especially if you are sued for slips and falls, libel, slander, or advertising misprints.

  • 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.

Questions? We can help.  800-769-2000, ext. 8180 | agents@ncmic.com

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.

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