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Types of Coverage Offered by Chiropractic Malpractice Insurance

Chiropractic malpractice insurance typically offers two primary types of coverage: claims-made and occurrence policies. A claims-made policy provides coverage for claims that are made and reported during the policy period, regardless of when the alleged incident occurred. This type of policy requires continuous coverage to ensure that you are protected against claims that may arise in the future related to past services.

On the other hand, an occurrence policy covers claims based on when the incident occurred, regardless of when the claim is filed. Once the policy period ends, you are still protected for any incidents that took place during the coverage period. Understanding the differences between these types of coverage is essential in selecting the most suitable policy for your practice. Additionally, you may have the option to add supplemental coverage for cyber liability, defense costs, or regulatory proceedings to enhance your protection.

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