Insurance for Chiropractors
Tailored cover featuring alternative and complementary therapies
Meets Professional Indemnity industry requirements for chiropractors
Meets Professional Indemnity industry requirements for chiropractors
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What is chiropractor insurance?
Chiropractor insurance (the different types of business insurance available for someone with a chiropractic practice) helps protect you from such events that could cripple your small business.
For chiropractors, even minor errors can result in potentially major repercussions. An accidental injury or mistake in your advice may lead to claims that could harm your practice’s finances and reputation.
Business insurance for chiropractors is also a legal requirement, as the Australian Health Practitioner Registration Agency (AHPRA) and Chiropractic Board of Australia require chiropractors to have minimum levels of Professional Indemnity cover to practice in Australia.
Let BizCover help you address business risks, both big and small, with cover options from selected leading Australian insurers. Compare multiple quotes and get instant cover online in minutes!
Why do chiropractors need insurance?
Chiropractors may need business insurance to meet legal requirements and cover unexpected bills.
Lease an office space.
Pay legal costs if you face a liability claim.
Enhance credibility.
Meet the requirements of AHPRA and the Chiropractic Board of Australia.
Did you know?
Chiropractic Professional Indemnity insurance is mandatory if you are working in Australia. Proof of insurance is required to register with the Australian Health Practitioner Registration Agency (AHPRA) and to join many professional chiropractic associations in Australia. Professional Indemnity is also an important policy to have, as it protects you against losses claimed by a third party due to alleged or actual negligence in your professional services or advice.
What types of insurance do chiropractors need?
We offer a range of policies designed to cover your business and services. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for chiropractors:
Chiropractors could also consider:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does chiropractor insurance cost?
The average monthly cost of business insurance for chiropractors is $152 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below. This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
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Andrea
Beautician from
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$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
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$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
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$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Chiropractors are required to have “adequate and appropriate” Professional Indemnity cover to work in Australia.
By providing up-to-date information about your business (including the services you provide, your annual turnover, and who is being insured), you can help ensure that your Professional Indemnity insurance is suitable for your practice’s needs.
Each chiropractic practice is different, with unique insurance needs. That said, here are a couple of commonly purchased business insurance policies you may consider:
- Public Liability insurance, which is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities. If your chiropractic business is based in your home, business-related claims may not be covered by your Home & Contents insurance. You may need a Public Liability policy to cover your business activities.
- Cyber Liability insurance: This policy covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.
- Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.
BizCover not only makes it easy to buy insurance, we also make it easy to manage your policy! Certificates of Currency can be downloaded from our self-service portal at any time.
You can also update your payment details, amend your cover, and download policy documents from your account.
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This was the most easy and clear process for getting insurance, with choices and options, and most importantly offering the exact insurance I required with an option to add on later. Thank you.
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