Chiropractors: How to Prevent a Lawsuit From Breaking Your Back
Insurance for Chiropractors – Professional Liability (and E&O)
You’re in the business of helping people. Every day, your patients leave feeling better than when they arrived at your office. With a Doctor of Chiropractic, you’re in good company, as there are more than 60,000 doctors of chiropractic practicing in the U.S., according to the American Chiropractic Association.
However, what if they don’t quite feel right and claim your adjustment caused that discomfort — or worse, injury or illness? In 2015, a young girl with severe scoliosis was awarded $100,000 after receiving chiropractic treatment that led to extensive surgery and permanent damage. In an earlier case in 2013, a 42-year old accountant had stroke symptoms after a neck adjustment; he was awarded $577,000 after a five-day trial.
Whether you’re an independent contractor, part of a multi-doctor practice or work only part-time, you are undoubtedly at risk of a malpractice lawsuit — if you diagnose a medical condition that needs immediate care, or your treatment harms your patient.
Around 17,000 malpractice lawsuits are brought to court against doctors each year. Because you want to help as many people as you can throughout the course of your career, you need to protect yourself with professional liability insurance for chiropractors from Evolution Insurance Brokers (EIB), a preferred provider of specialty liability insurance coverage since 1992.
Do you already have professional liability insurance? The fact is that it may not be enough to keep from breaking your back.
EIB provides coverage that protects medical professionals from personal and professional liability. We help to identify the specific activities you engage in that could expose you to legal risk and craft a unique policy that covers any holes or exclusions.
Nevertheless, there’s more you should do to keep from losing your shirt. E&O insurance is essential to protect your practice in case a patient holds you responsible for a service that didn’t turn out as expected. This coverage provides peace of mind for both you and your patients, knowing there will be a consideration and possible compensation if an error is made.
Contact XINSURANCE
For more information on professional liability and E&O insurance from Evolution Insurance Brokers, call 801-304-5562 or email loganf@primeis.com.
Authored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.
