Business Insurance Checklist

Not Sure What You Need?

Whether you're an independent contractor or you own your chiropractic or naturopathic practice, selecting the right business insurance is essential for protecting your financial security and your practice.

At NCMIC, we understand the unique needs of healthcare  professionals. That’s why we’ve put together this checklist to help you evaluate your insurance requirements. Use it as a starting point and reach out to one of our experienced agents for personalized recommendations.

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What Types of Insurance Should You Consider?

The following checklists outline the key insurance policies that every chiropractor, naturopath, and independent contractor should consider. Whether you’re just starting your practice or you’ve been in business for years, these policies will help you safeguard your livelihood and the health of your practice.

If You Own Your Practice

Owning a practice comes with significant responsibilities. Below are the types of business insurance you should consider as a practice owner. Keep in mind that your specific situation may require additional coverage, so always discuss your needs with one of our experienced agents.

• Business Owner's 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 this insurance if you are reselling or labeling supplements or other health products.

If You're an Independent Contractor

Independent contractors (e.g., professionals working in multiple locations or providing services as a consultant) still need to make sure they have coverage. Below are the key insurance policies to consider, but remember, your specific circumstances may require additional coverage.

• Property

  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.

• General liability and umbrella insurance

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

• 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.

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 NCMIC Protects Your Business

At NCMIC, we’ve been serving chiropractors for 80 years. We understand the risks you face and offer tailored insurance solutions to meet your unique needs.

Why Chiropractors Choose NCMIC:

• Chiropractic-specific insurance solutions
• Experienced agents ready to guide you through your options
• Comprehensive coverage that fits your practice and lifestyle
• Ongoing support to make sure you’re always covered

Our dedicated team of agents is here to guide you through the process, helping you find the right coverage to protect your practice and personal financial security.

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