Covering Your Bases: Is Malpractice Insurance Enough?


Dr. Kec, leveraging his dual expertise as a chiropractor and an insurance professional, alongside his colleague Andy Pratt, unravels common misconceptions about malpractice insurance and highlights the necessity for a comprehensive insurance strategy to safeguard chiropractic practices.

Protect Your Practice and Your Life

In this special episode of Chiropractical, host Mike Whitmer hands over the reins to Dr. Jon Kec from NCMIC, offering a deep dive into the nuanced insurance needs of practicing chiropractors.

Topics Covered:

  • General vs. Malpractice Insurance: The episode kicks off with a scenario illustrating a common mishap in a chiropractic office, leading to a discussion on why general liability insurance is critical and distinct from malpractice insurance.
  • Specialized Insurance Policies: Andy Pratt emphasizes the importance of having specialized insurance policies for different types of risks, including general liability and cyber liability insurance. The discussion underscores why "one-size-fits-all" insurance policies may not offer adequate protection.
  • Cybersecurity Threats: The increasing relevance of cyber liability insurance is addressed, highlighting the vulnerability of chiropractic offices to cyber attacks and data breaches, stressing the importance of protecting patient information.
  • Employment Practices Liability Insurance (EPLI): The conversation shifts to the significance of EPLI for protecting against claims of wrongful termination and other employment-related issues.
  • Disability Insurance: The necessity of disability insurance for chiropractors, given the physical nature of their work, is also discussed, stressing the importance of ensuring income continuation in case of injury.


Mike Whitmer also discusses the importance of attending live events like Parker Seminars in Las Vegas, highlighting the benefits beyond continuing education, such as networking, leadership opportunities, and vendor exploration.


Andy Pratt has been with NCMIC for nearly 20 years. He is the Director of Sales and Retention and part of the Corporate Relations team. 

Additional Material

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