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Chiropractor Insurance Ontario

Avoid financial pain with the right business chiropractic coverage in Ontario.
  • Avoid paying for legal costs, damage mitigation and more with the right business insurance.
  • Rest easy knowing you're protected against financial loss from unexpected events.
  • Get the expert advice you need for an insurance package that ticks all the boxes.
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Business Insurance Coverage for Ontario Chiropractors

As a medical professional, the chiropractic care you provide to your patients is a major benefit to their health and can dramatically improve their quality of life through pain reduction or even elimination. Your services are necessary and valued, so it's critically important that you have the right Ontario chiropractor insurance for your clinic or practice to ensure you can keep providing health care services regardless of what interruptions life tries to throw your way.

Should you encounter a disaster like a fire or flood, lose access to your equipment, become the victim of a crime or find yourself dealing with other unfortunate circumstances, your Ontario chiropractor insurance will help you recover the associated expense so you can get back on your feet as quickly as possible. Speak to an experienced broker at Morison Insurance to find out more about the business insurance we can offer you for chiropractic coverage in Ontario.

What is Ontario Chiropractor Insurance?

Business insurance for chiropractors is designed to protect you against financial loss in a situation that could threaten your livelihood. What specific types of coverage are included with Ontario chiropractor insurance depends on what you need and want as part of your unique Ontario chiropractor insurance package. If you don't have adequate insurance coverage in place, you could be forced to pay out of pocket for staggering costs such as settlements and medical expenses if someone slipped and hurt themselves walking into your clinic, or equipment replacement expenses if your essential tools breakdown, or legal defense costs if you are the victim of libel or slander.

Those types of financial losses can be absolutely devastating and could even compromise your ability to keep offering chiropractic treatment. An experienced Morison Insurance broker can help protect you from that terrible outcome by finding the best package of Ontario chiropractor insurance for your unique health care business.

Is Ontario Chiropractor Insurance Mandatory?

Like most other health care providers offering medical services, chiropractors are required by their association to have a specific type of Ontario chiropractor insurance called professional liability insurance—and typically, they will get professional liability coverage through their association. For example, the Ontario Chiropractic Association offers professional liability as a member benefit through a membership with the Canadian Chiropractic Protective Association.

Like most other professions in Canada, you are not legally required to have business insurance coverage aside from professional liability. That means coverage such as commercial general liability, personal liability, commercial property coverage, cyber liability coverage and so on are not mandatory parts of an Ontario chiropractor insurance package—but practically speaking, an Ontario chiropractor insurance policy that covers you against paying your own funds to mitigate damage in events such as a fire at your clinic or a financially devastating ransomware attack is necessary. You might be the most careful and cautious person in the world, but there's simply no way to prevent every last mishap that could happen on your watch—and you could be accused of something you weren't even responsible for and be forced to defend yourself in court which, needless to say, can be very expensive.

What Business Coverage Should Be Included in Ontario Chiropractor Insurance?

When it comes to Ontario chiropractor insurance coverage outside of professional liability (which is also called errors and omissions or "E&O"), what exactly you need will depend on how you choose to run your practice. Your business is unique, so there's no one-size-fits-all Ontario chiropractor insurance solution for your chiropractic services. The reliable team of brokers at Morison Insurance are very familiar with the ins and outs of finding the ideal Ontario chiropractor insurance package for your specific needs, and once we find out more about your business, we can recommend the best possible options to make sure you are fully covered against having to pay for the eligible expenses outlined on your policy.

Ontario Chiropractor Insurance: Commercial General Liability

Commercial general liability is a cornerstone of business coverage that most professionals need. It is the type of Ontario chiropractor insurance that protects you from paying legal defense fees, settlement costs, medical bills and repair or replacement for damaged items in the event of third-party property damage, third-party bodily injury or personal harm. It covers injuries or damage that involve you in some way but aren't directly related to chiropractic treatment or the quality of care provided.

For example, if you have a patient come into your clinic for a chiropractic consultation and they are injured when they trip on a vacuum that was left sitting out in the lobby, they could choose to bring legal action against you to pay their medical bills and the cost of rehabilitation. Or, if you have a mobile practice and travel to a client's home to provide treatment, you could accidentally bump into an expensive painting and cause damage to the canvas that needs to be professionally restored. The commercial general liability portion of your Ontario chiropractor insurance is what will offer you reimbursement for those types of expenses, up to the limits listed on your policy.

Ontario Chiropractor Insurance: Commercial Property Coverage

As a chiropractor, you need a physical business space to operate out of. But just like any other kind of property, your commercial business property can be just fine one day and then the next day it's been seriously damaged or destroyed by a major fire, vandalism, flooding or harsh weather patterns. Those kinds of events can be absolutely catastrophic, especially if you have to pay the damage mitigation or restoration costs by yourself because you don't have sufficient Ontario chiropractor insurance coverage.

Serious damage caused by fire or other potential disasters, or business equipment that is lost to theft, can have a huge impact on your ability to keep generating revenue. You need to be able to get back on your feet quickly, but you probably don't have enough funds lying around to purchase brand-new equipment or restore a fire-ravaged building. That's why it's so important to have commercial property coverage for your business space as part of your Ontario chiropractor insurance. Your Morison Insurance broker will find out more about your commercial property, such as the location and likely perils, and recommend commercial property coverage options for your Ontario chiropractor insurance policy that will let you sleep easily at night knowing you're safe from unexpected financial loss due to damage or theft.

Ontario Chiropractor Insurance: Equipment Breakdown Coverage

If your equipment is damaged in a fire or natural disaster, your commercial property coverage is the component of Ontario chiropractor insurance that will help you recoup the costs of getting it operational again. But there are some situations where commercial property coverage isn't going to be able to offer you the assistance you need. If your chiropractic equipment suffers a mechanical failure, for example, you'll need equipment breakdown coverage on your Ontario chiropractor insurance policy to help you cover the cost of getting it repaired or replaced. This also applies to some building functions such as air conditioning and heating—after all, if your air conditioner grinds to a halt on the hottest day of the year, you won't be able to see chiropractic patients again until it's fixed.

Ontario Chiropractor Insurance: Cyber Liability

In this day and age, there's no way around it—computers and internet connectivity are necessary to run almost any type of business, and it goes without saying that includes chiropractic services. You need to store and transmit sensitive information such as medical records and patients' financial information in order for your office to function efficiently. But even though you probably have online security measures in place, there are criminals out there working tirelessly to figure out how to circumvent those measures and gain access to the valuable information you are storing, sending and receiving. That's why it's so critical to include commercial cyber insurance with your Ontario chiropractor insurance.

If that information is stolen from you, criminals will use it fraudulently or attempt to extort you to get a ransom payment in exchange for its safe return. That will have a big negative impact on your clients and they'll be looking at you to provide restitution. That leaves you open to serious liability problems if you don't have cyber liability as part of your Ontario chiropractor insurance. Cyber crime insurance covers expenses related to cyber breaches, ransomed information and fixing damaged security networks.

Ontario Chiropractor Insurance: Business Interruption Coverage

When something happens that forces you to stop operating your business temporarily, like property damage or equipment breakdown, the cost of restoration or replacement will be covered by the appropriate part of your Ontario chiropractor insurance, such as commercial property or equipment breakdown coverage. But in the case of a disaster, theft or similar issue, the repair work isn't going to be complete overnight, and the new equipment replacement isn't going to arrive and be ready for use right away.

During the period of time that you are unable to operate your chiropractic business like you typically do, you'll lose a lot of revenue and may have to let valued employees go if you can't afford to pay them in the interim. If your clinic suffers a fire, for example, business interruption coverage on your Ontario chiropractor insurance policy will compensate you for lost income up to the limits of your policy so you're able to keep treading water while your building is being repaired or your equipment is being replaced and can get back on your feet quickly once the problem has been resolved. Depending on your policy, some business interruption insurance also includes Ontario chiropractor insurance coverage to help you pay rent on your commercial property or pay your employees' wages until your revenue stream is back to normal.

Frequently Asked Questions About Ontario Chiropractor Insurance

If I'm Covered by My Employer, Do I Need My Own Chiropractic Coverage in Ontario?

That really depends on the details of how you operate. If you are employed by a private practice clinic that has Ontario chiropractor insurance for its employees and only offer chiropractic services via the clinic, you may be completely covered and won't need your own Ontario chiropractor insurance. But if you do work elsewhere that is not related to the clinic, you will not be covered and will need at least some basic coverage of your own.

Is It Mandatory Get Ontario Chiropractor Insurance From a Chiropractic Association?

Not exactly. You are not obligated to get professional liability coverage through your chiropractic association, but almost all professional liability chiropractic coverage in Ontario is purchased through an association. That's because chiropractic services are considered high risk and typically an insurance provider that is not association-based is not going to be willing to take on that risk. So when it comes to professional liability for Ontario chiropractor insurance, going through your association is almost always going to be the best, most cost-effective way to get coverage.

That being said, some people assume that professional liability coverage from their association is all they need for Ontario chiropractor insurance. That's all you are required to have, but it's definitely not all you need on your Ontario chiropractor insurance policy to protect you. Depending on your scope of practice activities, it's very important to have additional coverage options on your Ontario chiropractor insurance such as commercial general liability and commercial property coverage. An experienced Morison Insurance broker can help you find the right options for you to round out your Ontario chiropractor insurance and make sure you are protected against anything that might come your way.

Where Can I Get a Quote for Business-Related Chiropractic Coverage in Ontario?

You can get a quote for the right Ontario chiropractor insurance from the team of experts at Morison Insurance. As a family-owned and operated business, we pride ourselves on treating each and every one of our clients like members of our own family. You can count on us to deliver the highest standards of customer service and find the best Ontario chiropractor insurance solutions for your unique needs. Contact us via the form below for an Ontario chiropractor insurance online quote, or give us a call today at 1-800-463-8074 to speak directly with a qualified insurance broker.


This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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