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Business Owners’ Protection (BOP) Insurance

A blend of insurances to cover what you’ve worked so hard for.

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From your equipment to your reputation, you have a lot of tangible and intangible assets to protect.

The right insurance can help provide coverage for you, your practice and your assets so an unexpected incident doesn’t cause significant impact on your business.

Combining Two Kinds of Business Insurance

A Business Owners' Policy (BOP) combines two critical kinds of business insurance:

  • Property insurance
  • General liability insurance


This covers the building if you own it, your property and your business assets if someone is injured at your practice.

BOP Includes:

Property InsuranceProtects your tables, X-ray equipment, office furniture, computers and more.
General Liability InsuranceProvides coverage if you are sued because of slips and falls, libel, slander, or advertising misprints
Product Liability InsuranceThis type of insurance is important if you are reselling supplements or orthotics under the original label (and not relabeling).
Business Interruption Insurance If you have to close your practice because of a covered claim, this insurance may provide income you would have made during that time. It can also help cover costs you may incur if you have to practice at a temporary location. (Also called Business Income Insurance)

Make Sure Your Practice is Protected

Every practice is unique. Discuss your business with one of our agents to determine what insurance program best meets your needs and keeps you protected. Depending on your situation, you may want to consider additional insurance protection such as:

Hired and Non-Owned Auto Liability

Provides liability coverage for auto exposures when used for company business. “Hired” provides coverage for auto exposures not owned by you. “Non-Owned” generally describes an employee using their personally owned vehicle that is not owned, leased, hired, rented or borrowed by the named insured for company business. 

Data Breach

If patient records are compromised, data breach insurance can provide important coverage for your practice. In many cases, this insurance covers both electronic and paper records.

Employee Dishonesty

This policy provides coverage for employee theft of money, securities and/or property.

Employment Practices Liability Insurance (EPLI)

Coverage in the event of a lawsuit for wrongful termination, sexual harassment, discrimination, violation of the Family Medical Leave Act and more.

Umbrella Insurance

This is an affordable option for additional financial protection when liability limits are reached on other policies such as your BOP or workers' compensation policy.

Product Liability

You may need a separate product liability policy if you are relabeling and selling or manufacturing products under your own business name. This policy is also necessary if you are producing your own treatment equipment such as orthotics or treatment tools.

Important Considerations

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When choosing a business insurance plan, be sure it provides enough coverage to:

  1. Rebuild your property and replace your equipment
  2. Keep your business open
  3. Protect your assets from a lawsuit

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Customized Coverage Designed for Chiropractors and Naturopaths

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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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