Compare quotes from our trusted insurance partners:

AIG
Berkley Insurance
Chubb
Dual
Hollard
Point
QBE
RelyOn
Vero

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!  

Chiropractor insurance

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 chiropractor

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. 

Public Liability

Covers costs and legal fees if you negligently cause injury to a member of the public or damage to property.

Public Liability insurance

Professional Indemnity

Covers losses and legal fees as a result of alleged or actual negligence in your professional services or advice.

Business Insurance Pack

Package cover under one policy to protect assets and liabilities. Can include legal fees, repair costs, and business interruption.

Business Insurance

Personal Accident & Illness

Covers individuals for loss of income if unable to work as a result of an injury or illness in or outside of work. Limits apply.

Personal Accident insurance

Cyber Liability

Protection against claims and supports your profitability following a broad range of cyber events.

Cyber Insurance

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.

Chiro insurance cost

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.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $250K
  • $10M

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.

Chiro insurance cost

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. 

Cover levels to choose from

  • $1M
  • $20M

Cover levels to choose from

  • $250k
  • $10M

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.

Award-Winning Tech & People

We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.

See how much others have saved while purchasing policy through BizCover

Colette

Disability Care Worker from

NSW

Saved

$1,200

on

Public Liability and Professional Indemnity insurance

Disability care worker
Andrea

Beautician from

VIC

Saved

$1,500

on

Business insurance Pack and,
Public Liability and Professional Indemnity insurance

Andrea, Beautician saved $1,500 on Professional Indemnity, Public Liability and Business Insurance
Deborah

Cleaner from

VIC

Saved

$3,600

on

Public Liability insurance

Cleaner from VIC saved on Business Insurance with BizCover
Lance

Electrician from

ACT

Saved

$800

on

Public Liability insurance

Electrician saved $800 on Public Liability insurance
Stephen

IT Professional from

VIC

Saved

$1,500

on

Information Technology Liability insurance

IT Professional saved on IT Liability with BizCover
Linda

Restaurant owner from

NSW

Saved

$1,000

on

Business Insurance Pack and
Public Liability insurance

Restaurant owner saved in Business Insurance with BizCover

Frequently asked questions

Chiropractors are required to have “adequate and appropriateProfessional 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. 

Hear from our customers

BizCover NZ Rating 4.7/5 on Feefo

Always easy to use the website and any contact has been fantastic and very positive. Thanks for making things so simple and affordable

Nathan O

So easy I am IMPRESSED it took 5mins SERIOUSLY

Cheree M

I have been unsure of what and how to go about purchasing my insurance. Came across biz cover and I felt relieved. Thank you so much guys, I will now wait for my insurance documents to be emailed

Dionne E

Thanks so much this was so simple, and saved me $200 from previous insurance company. Thankful for my friend’s recommendation.

Amanda F

Thanks guys for such a quick and easy transaction…Awesome…5 Star all the way!

Tracy V

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.

Cooper P

BizCover Logo