Thing which you need to know about CPP Insurance

Chiropractic Insurance

The liability insurance plans offered through the Chiropractic Protector Plan® are specifically designed to satisfy the insurance needs of a certified chiropractic practice or an individual chiropractor. With the number of claims being made against chiropractic services increasing every year, you will be taking the best possible precautions to assure that your practice is not impacted by these lawsuits. The only way to protect yourself and your practice from a potential incident or injury report resulting in professional damages are to apply for Chiropractic Liability insurance.

Overview of Chiropractic Practices

The most important for the Chiropractors Industry are:

• Having a good reputation
• Proximity to key markets
• Development of a symbiotic relationship with another industry

So instead of hoping that an incident of a damaging nature does not occur in your practice related to malpractice, you can apply for coverage that could protect your reputation, long-term growth and developments in cross-industry sectors.

About Chiropractic Protector Plan

The Chiropractic Protector Plan® is pleased to have teamed up with Medical Protective to provide a professional liability policy specifically designed to meet the needs of Chiropractic Physicians.

• Fully portable, first dollar professional liability coverage
• Defense costs outside the limits of liability
• Occurrence and Claims-made coverage available
• Separate limit corporation coverage available
• Shared limit corporation coverage at no additional charge (where available)
• Personal Injury Liability
• Deposition Fees, when not named
• Loss of Earnings per day, when assisting in defence
• HIPAA Proceeding Expense
• Sexual Misconduct Defense
• Locum Tenens Coverage
• Vicarious Liability Coverage
• Dual licensing coverage available for Acupuncture, Physical Therapy and Massage Therapy

A rate will be given based on the information provided by you. By filling out the following form you are not entering into an agreement to bind coverage and are under no obligation to purchase insurance from the Chiropractor Protector Plan® or any other affiliate of Brown & Brown, Inc. Insurance coverage cannot be bound via a submission on this website. You must speak with a licensed agent to bind coverage. 

Examples of Malpractice Suits

Have you had a patient sue your company because they are unable to lift fifty pounds of weight to perform their job? They may claim that your back alignment services caused an injury that prevents them from working.

Here are the most talked about suits we have seen in the insurance industry:

• A man who was bitten by another patient’s dog in the waiting room of a chiropractor tried to sue the office for negligence
• A chiropractor sued over a patient's death due to allegedly negligent chiropractic care removed the medical negligence and wrongful death suit to West Virginia federal court on Friday
• The family of a Playboy model who died after visiting a chiropractor is now filing a wrongful death lawsuit.
• A medical malpractice case against a Franklin County chiropractor went to trial after the Indiana Court of Appeals held that chiropractors, including those on medical review panels, are not qualified to render opinions on the cause of injuries when a case involves a “complex” causation issue.

Your chiropractors professional liability insurance will help protect you from the legal and financial fallout that is caused by lawsuits of this sort.

Malpractice Insurance for Chiropractic Professionals

Professional liability insurance for medical professionals is known as Malpractice Insurance coverage. Malpractice insurance compensates for damages, loss or injury suffered by the patient, as well as legal defence costs.

Sometimes a patient may sue your company even when you are not at fault for their problems. Chiropractor’s professional liability can help when professional claims arise, regardless of whether they are warranted.

For example, you may have a patient sue your company because they are unable to lift fifty pounds of weight to perform their job. They may claim that your back alignment services caused an injury that prevents them from working. Your chiropractor's professional liability insurance will help protect you from the legal and financial fallout that is caused by lawsuits of this sort.

Once you have paid for insurance coverage for a particular period, you will always be covered for any incident that arises during that covered period no matter when the claim is actually made. This is true even if you have dropped your coverage or moved your policy to a new company. The insurance company that was underwriting the coverage during the period that the incident occurred will be the same company that handles the claim on your behalf.

Some of the best malpractice insurance for chiropractic coverage features the following:

• Fully portable, first dollar professional liability coverage
• Defense costs outside the limits of liability
• Administrative Hearing and Medicare / Medicaid Billing Defense
• HIPAA Proceeding Expense
• Sexual Misconduct Defense

Malpractice Insurance for Your Chiropractic Practice

The Chiropractic Protector Plan® is committed to providing our insureds with not only the best insurance coverage options but also value-added benefits that serve to reduce the likelihood of a malpractice claim.  The Plan offers insureds exceptional coverage benefits including, but not limited to:

• Defense cost is outside the limit of liability
• Separate limit corporation coverage available
• Shared limit corporation coverage at no additional charge (where available)
• Risk Management courses with CE credits and premium discounts
• New to Practice credits, Part-time credit, Moonlighting coverage and Group discounts

A rate will be given based on the information provided by you. By filling out the following form you are not entering into an agreement to bind coverage and are under no obligation to purchase insurance from the Chiropractor Protector Plan® or any other affiliate of Brown & Brown, Inc. Insurance coverage cannot be bound via a submission on this website. You must speak with a licensed agent to bind coverage.

Do Chiropractors Need Malpractice Insurance to Secure Their Practice?

With chiropractic insurance, you could have a comprehensive insurance program, proving you with a one stop shop for all of your professional insurance needs. The Chiropractic industry, a market in the health care industry, represents revenues in excess of $30 billion annually in the United States.

The industry has experienced 1% annualized growth over the past 5 years and is forecast to grow at 2.2 percent over the next five years. The Chiropractic Industry established stability as individuals, living with chronic pain from nerve injuries, started to continuously seek out this well accepted form of treatment in order to treat their condition and live more active lifestyles.

Performing a Chiropractic Security Risk Assessment

As a provider of healthcare for patients, your practice is required to ensure that patient data is secure and adequately protected. HIPAA’s Security Rule requires that covered entities, such as chiropractic practices, complete security risk assessments. Your security risk assessment will help you correct potential data security problems before they happen. As such, avoiding a risk assessment may result in these threats manifesting themselves. To conduct your own risk assessment, review the security rule and the assessment requirements that apply to your organization. This rule begins with an analysis. Your security risk assessment will help you identify how data is created and used by your clinic. From there, you will understand threats to this data from internal and external sources. You will look at every aspect of data access, creation, and use within your clinic in addition to how data is transmitted outside of your clinic for use or storage.

Hackers target chiropractic data so secure your patients and your practice. Through MedPro Group’s Patient Safety and Risk Solutions program, the Chiropractic Protector Plan® is able to provide our insureds with the tools that they need to incorporate sound risk management practices and decrease the probability of a claim. Your carrier should be committed not only to defending you in court, but also to keeping you from ever seeing a courtroom.

How to Secure Chiropractic Practices