Healthcare

Allied health (chiro & PT)

Chiropractors, physical therapists, and similar hands-on allied-health providers.

Why it needs cover

The exposure

Malpractice covers treatment injuries from manual therapy and modalities; GL and property cover the clinic.

What we place

Coverages this class usually needs

Professional liability / malpracticeOften (state/facility)

Treatment-injury claimsHands-on care

General liabilityOften (lease)

Patient/visitor injuryClinic premises

Business owners policy (BOP)Often (lease)

GL + property bundleClinic/equipment

Workers' compensationRequired (with employees)

Staff injuriesClinical staff

CyberOptional

Patient-record breachPHI

What it costs

National benchmark premiums

Rated on: Revenue and claims history

General liability

chiropractors $37/mo; physical therapists $37/mo

Malpractice

physical therapists $56/mo ($667/yr); chiropractor malpractice commonly $1,200-$3,500/yr

Workers' comp

chiropractor WC ~$53/mo; PT WC ~$47/mo

Total annual (typical)

roughly $1,500-$4,000/yr for a small clinic; higher-limit malpractice profiles run $715-$2,085/mo

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (PT / Chiropractor cost); Insuranceopedia; MoneyGeek.

When it goes E&S

Where this risk gets hard to place

Higher-risk modalities and prior malpractice claims can require specialty allied-health markets.

Contact

Talk to us about Allied health (chiro & PT).

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