Business Insurance Checklist

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.

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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.

• 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 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.

• 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.