• General Liability Coverage
• Professional Liability Coverage
The nature of work that chiropractors do exposes them to a variety of potential risks, ranging from property-related perils to possible liability lawsuits. It’s important for chiropractors in Vermont to protect themselves from these risks when they can, and that’s what chiropractic insurance is designed to do.
Chiropractic insurance is a specialized form of commercial insurance that’s intended specifically for chiropractors and their clinics. In order to offer chiropractors robust protection, most policies come as package policies and have multiple coverages.
The vast majority of chiropractors and chiropractic clinics in Vermont ought to carry chiropractor insurance. Chiropractors regularly face potentially expensive risks, and this is usually the most appropriate type of business for professionals in this field.
The exact coverages that a chiropractor insurance policy provides can vary, but there are some protections that many policies commonly offer. These include:
Each of these coverages come with their own terms, conditions, exclusions and limits that should be carefully reviewed. An experienced agent who specializes in this form of commercial insurance can help chiropractors check the coverage details of any policy they’re considering.
Chiropractors who are traditional employees of a clinic or other practice may have insurance coverage through their employer. Employers frequently offer differing amounts of coverage, though, and a few employers might not provide employees with their own professional liability coverage. For these reasons, chiropractors who work as employees should consider reviewing their employer's protections with a knowledgeable agent and not automatically assume they’re sufficiently covered.
Additionally, any employer-provided coverage that is available might not extend to chiropractors who work as independent contractors or side work that employees do. In these situations, chiropractors probably need their own insurance.
Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.
Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!
Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.
Premiums for chiropractor policies also vary, for there are many factors that insurers take into account when underwriting policies. One item they consider is the size of a practice, with solo practices that see few patients usually paying less than large practices that have lots of chiropractors and patients.
Even with variance in premiums, though, the vast majority of chiropractic policies are affordable considering a clinic’s budget. The cost of insurance almost certainly is less than what an expensive claim could cost if there’s a disaster or major mistake in work.
An independent insurance agent can help chiropractors find out exactly how much the coverages they need would cost. Whereas captive agents typically can promote a single insurer’s policies, independent agents aren’t tied to any one company and can show policy quotes from multiple insurers in the state. This makes it easy to see how much various policies will cost.
If you’re a chiropractor or run a chiropractic clinic in Vermont, contact the independent insurance agents of Paige & Campbell Insurance for help with your insurance needs. Our agents have the ability to you compare multiple chiropractic insurance policies, and they have the expertise necessary to assist you in selecting the best on for your clinic. With our help, you can be confident that you and your business are well-protected against a range of risks.
Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!