Chiropractic Malpractice Insurance

chiropractor insurance

Safeguarding Your Future with a Chiropractic Malpractice Insurance

Are you wondering what Chiropractic Malpractice Insurance is about and why you are advised to have it?

Perhaps, you just finished Chiropractic school and are looking into starting your very own Chiropractic career. You have a lot of dreams. You want to get married and start a family. You want to buy a house and a new car. You want to put up a clinic and have a dedicated staff for the hundreds of patients that you expect to have.

You want to make it big!

You want to be the most reputable Chiropractor in your area. You then make an action plan that would assist you in fulfilling each of these dreams. Then you take action. Finally, you get what you want.

InsuranceLet me ask you, would you risk anything in case of an untoward emergency or event that could happen?

Would you start thinking about it on the last minute, just when a tsunami of problems is ready to attack and wipe out all that you’ve worked for?

Of course not!

That’s the reason why it’s highly important to have life insurance for you and each member of the family, a car insurance and a house/home insurance in case of emergencies like accidents and fire, health insurance for your clinic staff so you won’t have to shell out money every time they need medical assistance, and a business insurance policy to cushion your fall in case something happens to your commercial venture.

But how do you go about protecting your own practice from dissatisfied clients or patients that could potentially sue you for malpractice, which could taint your pristine reputation? You’ve got to admit that this is a possibility, no matter how careful you are in attending to your patients. And yes, this is where a Chiropractic Malpractice Insurance comes in.

What is a Chiropractic Malpractice Insurance?

Chiropractic Malpractice insurance is purchased by chiropractors, to financially assist them in the occurrence that they are prosecuted for malpractice. Malpractice is defined as an act of causing injury or damage to a person as a result of negligence while on professional duty. It could be intentional or unintentional. It is often mandatory for chiropractors to avail of malpractice insurance, before opening a private practice or before getting hired in a facility.

Chiropractor Malpractice insurance is specifically designed to provide chiropractors protection and assistance from lawsuits, but there are also other personal features provided with most insurance companies and policies. Chiropractor malpractice insurance is able to cover the insured individual up to millions of dollars. Rates and necessary coverage can differ from state to state, as different laws govern different areas.

Chiropractic Malpractice Insurance

Chiropractic Malpractice Insurance Coverage

Leading providers of malpractice insurance for chiropractors provide policies that generally cover the following:

  • True Consent to Settle
  • Assistance of defense attorneys experienced in malpractice lawsuits
  • Payment of all malpractice legal fees
  • Dedicated hotline for claimants
  • Dual license coverage
  • Occurrence and claims-made plans

Chiropractic Malpractice Insurance Rates

Malpractice insurance policies are often considered as the most expensive type of insurance. But fortunately, since Chiropractors do not perform invasive procedures like surgeries and do not prescribe medicines, the risks for injury under treatment is significantly lesser. Because of this, it is more affordable to avail of chiropractic malpractice insurance as compared to a medical doctor’s malpractice insurance. In 2007, chiropractors paid $1700 per year in malpractice insurance while on average, doctors paid approximately $20,000 per year.

Chiropractic Malpractice Insurance Companies

There are a lot of reputable chiropractic malpractice insurance companies that are currently operating in the United States of America. But not all of the companies operate in all 50 states and the US territories.

Chiropractor EconomicsYou will have to check as to which one offers the best coverage in your area. Some of the recognized Chiropractic insurance companies that provide these policies for chiropractors are:

  • NCMIC
  • Chiro-Secure
  • OUM Chiropractor Program
  • Chiropractic Benefit Services
  • Princeton Insurance Company

Chiropractic Malpractice Insurance Quote

There are a lot of companies who provide malpractice insurance for chiropractors. If you are looking into getting one, the best thing to aid you in your search is to avail of a free chiropractic malpractice insurance quote. Most companies provide quotes for free and you can transact over the internet for this. You may also go to the nearest branch or office in your area.

Tips on Choosing the Right Chiropractor Malpractice Insurance Provider

Choosing the right chiropractor insurance is a very important task that should be carefully done. Although it seems like it you only have to do a quick comparison of insurance coverage offerings from the various companies, but a lot of work is actually needed. You need to do your research if you want to get the best fit for your needs.

Malpractice insurance, which is also called errors and omissions coverage or professional liability coverage, is an insurance type that aims to assist in the costs associated with negligence claims or any other incident considered to be a breach of professional conduct while on duty.

In order to get the right  Chiropractic insurance coverage and insurance provider for your practice, you must check which companies specialize and provide this type of policy in your area. You should also check for competitive prices and offers and you must also check consumer satisfaction reviews and surveys.  Once you have a list of your best prospects that offer a chiropractic malpractice insurance that is accessible to you, check on each of them in terms of background and reputation.

Ask fellow chiropractors for referrals or opinions on particular companies. They might have advice and experience that is worth hearing out. Ask among customers with how these companies deal with people; in this way, you can check the ethical practices of your prospect.

A major point in choosing is their speed in taking action when a claim is made. A company may offer a nice coverage package but may be very slow in responding to customers who wish to be assisted.

Cost is also a huge consideration in choosing among your options. While in general, chiropractic malpractice insurance is much more affordable than other types of malpractice insurance, you should also consider the extent of the coverage that they can offer for the price that you are willing to shell out.

Make a purchase when you come across a company with a solid reputation of integrity and excellence and which also offers the best coverage at the best price.

Indeed, your future as a chiropractor lies in the hard work and the perseverance that you put in to perfect your practice; but it’s the best chiropractic malpractice insurance that can truly safeguard the future that you’re working on.

Chiropractic School

chiropractor education

Choosing the Right Chiropractic School to Start Your Career

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Becoming a Chiropractor is not as easy as walking in the door of any state university and enrolling in the major.

Becoming of Doctor of Chiropractic Medicine requires advanced training which can only be found in a Chiropractic School.  Currently there are only 16 accredited schools in the USA.

In order to become a Chiropractor you need to choose from among these 16 chiropractor schools, and meet their minimum requirements for entry.

In this article we will discuss the school, requirements for entry, and the classes you can expect to face.

We will also explore some interesting alternatives for expanding your sports medicine major and career opportunities.

What Is Required to Enter a Chiropractic School?

The most important requirement for beginning your chiropractor education is to understand this is a very serious undertaking.  Your preparations need to start in high school, extend through your undergraduate studies, and will become more intense upon acceptance into a Chiropractic College.  As a common example of entrance requirements we will take a look at Texas Chiropractic College in Houston, Texas.

  • 90 Hours of Undergraduate Studies
  • 2.5 GPA (This is rising to a minimum GPA of 3.0 in 2014)
  • 2.0 GPA on all required prerequisite courses.
  • Only 20 hours of Proficiency Examination credits are allowed.  Examination credits cannot be used for science classes including Chemistry, Biology, or Physics.
  • 6 Credit Hours – Biological Sciences
  • 6 Credit Hours – General Inorganic Chemistry
  • 6 Credit Hours – Organic Chemistry
  • 6 Credit Hours – Physics or Related Studies
  • 6 Credit Hours – English and Communication Skills
  • 3 Credit Hours – Psychology
  • 15 Credit Hours – Social Sciences and Humanities

This list of required coursework makes it very apparent you will not have an easy passage through your undergraduate studies.  These courses lay the groundwork for the higher level science and lab work you will experience in Chiropractic School.

A look at Logan College as your choice of Chiropractic School

One important note mentioned in the Texas Chiropractic College requirements is the necessity to contact your local licensing bureau.  Each state sets their specific requirements.  If you intend to practice outside the state of Texas you may discover it requires having a Bachelor of Science Degree prior to attending Chiropractic School in order to be licensed.  Know the facts about the state you plan to practice in before enrolling.

The 16 Chiropractic Colleges Located in the United States

There are only 16 Chiropractic Colleges located in the USA.  Following is list of the colleges:

  • Cleveland Chiropractic College – Cleveland, Ohio
  • D’Youville College – Buffalo, New York
  • Life University – Marietta, Georgia
  • Life Chiropractic College West – Hayward, California
  • Logan College of Chiropractic – Chesterfield, Missouri (St. Louis)
  • National University of Health Sciences – Chicago, Illinois
  • New York Chiropractic College – Seneca Falls, New York
  • Northwestern Health Sciences University – Bloomington, Minnesota (Minneapolis)
  • Palmer College of Chiropractic – 3 Campuses – Davenport, Iowa; Port Orange, Florida; San Jose, California
  • Parker University – Irving, Texas
  • Sherman College of Chiropractic – Spartanburg, South Carolina
  • Texas Chiropractic College – Houston, Texas
  • University of Bridgeport – Bridgeport, Connecticut
  • University of Western States – Portland, Oregon

All of the above Chiropractic institutions have stringent entry guidelines and grueling classes to prepare you for working a Chiropractic Doctor.   A few of the courses you will undertake during your chiropractor education include:

Chiropractic School

  • Spinal Anatomy
  • Human Biochemistry
  • Palpation
  • Spinal Biomechanics
  • General Microbiology
  • General Pathology
  • Human Neuroanatomy
  • Pathogenic Microbiology
  • Adjusting Procedures
  • Obstetrics and Gynecology
  • Dermatology
  • Physical Examination and Diagnosis
  • Nutrition

This is a much abbreviated list of the classes required during your four years of studies in Chiropractic School. Your time acquiring an education from books and lectures will be joined by many hours of clinical labs.  At Texas Chiropractic College your final two trimesters are spent completely in Clinical Studies working hands-on with patients and professionals in the Chiropractic field.  The program at TCC includes 136 Trimester Credit Hours of Labs.

Look for a Chiropractic School near you!

Preparing for Competition to Be Accepted

If you have your heart set on becoming a chiropractor you need to start now on doing your best in all classes.  Just because a program lists a GPA requirement of 2.5 to 3.0 for entrance does not guarantee acceptance.  With only 16 Chiropractic schools in the USA the competition for entrance can be fierce.  Strive to have the highest grades possible in all classes.  Participate in activities or part-time work which helps exhibit your desire to become a Chiropractor.

You can increase your chances of acceptance by taking an active role.   Do not make the mistake of trying to only do the minimum.

Exciting Educational Opportunities to Increase Your Career Choices and Success

Texas Chiropractic College, and other chiropractic schools, has begun to partner with sports medicine colleges to offer dual degree programs.   In the program at TCC you can receive a Master of Science in Fitness and Human Performance for the University of Houston – Clear Lake along with your Doctor of Chiropractic.

Why choose Parker College for Your Chiropractic School

This dual degree opens additional doors into corporate and professional sports positions.   You may discover a higher sports medicine salary is available through working with a corporate fitness center than through your own private practice.  These dual degree programs are an excellent way to expand your possibilities.

The State by State Challenges of Becoming a Chiropractor

Just because you complete your chiropractor education does not allow you to start practicing.  You must pass the appropriate licensing examinations and meet the requirement of the state in which you will practice.  Since each state can set their own guidelines and requirements it is important you check early.

Do not assume the requirements will not change during your 6 to 8 years on school, either.  Check with the state licensing board several times during your education to make sure you do not miss any changes.

Getting Started on Your Journey Through Chiropractic School

With this brief information you are ready to start your sports medicine career journey.  Your first step is to contact the Chiropractic school you prefer and get a list of all their requirements.  You can then start mapping out your path through high school, undergraduate studies, Chiropractic College, and licensing examination.

Becoming A Chiropractor

what is a chiropractor

The Amazing Rewards of Becoming a Chiropractor

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The choice of becoming a Chiropractor is one filled with amazing rewards, but first requires you overcome a series of trials.

The rewards are found in joy, healing, and comfort you provide patients.  The trials come through the challenging education required to become a Doctor of Chiropractic medicine.

In this article we will discuss the basics of becoming a Chiropractor, the salary you can expect, and the challenges of getting started.

Before we get started with all of that, we should make sure you understand the career you are considering.

What is a Chiropractor?

A Chiropractor treats patients with musculoskeletal problems.  More specifically, a chiropractor corrects misalignments in the spinal joints which may be causing neurological issues throughout the body. 

These problems can lead to problems with general health including:

  • Weakness in legs or arms.
  • Tingling, pain, or discomfort in various body parts.
  • Headaches, including migraine headaches.
  • Backaches
  • Weakened immune system

The Chiropractor does not only focus on your spinal alignment, but your overall health.  Their training has prepared them to discuss and recommend changes in your diet, exercise, and lifestyle.

Chiropractors use a wide variety of diagnostic techniques including the use of x-rays, ultrasound, and other laboratory tests to determine your current condition.  A Chiropractor may examine you sitting, standing, and walking posture to determine possible causes of continual misalignment’s.

Becoming A Chiropractor Overview

Human Anatomy
Are Chiropractors doctors?  Yes, they are Doctors of Chiropractic Medicine.  They are not traditional medical doctors, but a Doctor who has been trained in a specialized method of care and treatment.

Are Chiropractors safe?  This is one question you will run into many times.  A Chiropractor is very safe.  They have studied and practiced their art extensively to provide an accurate diagnosis and treatment.

What is the Educational Requirement of Becoming a Chiropractor?

The education for a Chiropractor is very intense.  It begins with your undergraduate studies.  This may be as short as 2 year, or may require a full 4-year Bachelor Degree.  This is dependent on the University and the state of your studies.  It is expected a 4-year degree will become the standard requirement to enter a Chiropractic College in the near future.

While taking your undergraduate courses it is important for you to focus on classes to properly prepare you for Chiropractic College.  You should take classes in:

  • Chemistry
  • Biology
  • Physiology
  • Psychology
  • Kinesiology

This is just a small list of possible classes to consider.  The emphasis should be on taking science and math classes to help you achieve your goals.  You must plan on working hard during your undergraduate studies; entry into a Chiropractic school is very competitive.

Lance Armstrong - Do Chiropractors work

Your next step in educational requirements is the Chiropractic College.  There are currently 16 accredited programs in the United States.

Your studies in Chiropractic medicine will last for four years.  During the first 2 years you are laying the groundwork of your education.

You will be studying a variety of science courses, mathematics, and social sciences.  The final two year focus intensely on diagnosis and hands-on treatment.

Your education does not stop after graduation, either.  Every state, except New Jersey, requires Chiropractors to pursue continuing education to keep abreast of new techniques and information in their field.  These requirements vary by state.

Passing Your License Examination is the Next Step in Becoming a Chiropractor

In order to complete your journey of becoming a chiropractor you must successfully pass the licensing examination.  The exam is administered on a state by state basis.  Most states use the National Board of Chiropractic Examiners 4-part test either completely or as the basis for their state examination.  Preparing for the National exam will prepare you for any state’s examination.

You will need to check with the state you wish to practice in on their individual licensing requirements.  Some states have developed cross-state agreements to allow Chiropractors licensed in their state to practice in the other state, also.

What Does a Chiropractor Earn After All Their Work?

Becoming a Chiropractor

After becoming a Chiropractor you will have the opportunity to earn a high income.  The average Chiropractor in the USA earns $129,721.

It is important to note this figure varies wildly depending on years in practice.  A new Chiropractor starting their own practice may have a very low income to begin.  Over the next few years as their practice grows the income can rise very rapidly.

Chiropractors follow two different paths for employment most commonly.  You will either start your own practice or assume total responsibility for the business, or you will join an established firm.

While joining a team of other Chiropractors will give you a higher income initially, it can reduce your long-term income, unless there is a stipulation to become a partner.

The third path pursued by some new Chiropractors is to work in a general sports medicine career.  They may be employed by corporate wellness centers, professional sports teams, or large fitness organizations.  This career path can lead to affecting your income to be more in-line with other sports medicine salary figures.

Building a Practice as a Chiropractor

One of the most important tasks of a new Chiropractor starting their own business is marketing.  You will discover it is impossible to build a successful busy practice just waiting for clients to walk in your door.  It can be wise to take a marketing course during your undergraduate studies to prepare you for working with newspapers, radio, television, and other advertising avenues.

Your income as a Chiropractor will be based upon your ability to attract clients and keep them satisfied.  Once you have established a good practice advertising decreases in importance as your clients spread the word.

You may also find these articles worthwhile reading:

  1. Sports Therapist – two paths to becoming a sports therapist.
  2. Becoming a Physical Therapist – requirements for becoming a physical therapist.
  3. Kinesiology Careers – opportunities with your Kinesiology degree.

Summarizing the Journey of Becoming a Chiropractor

In a brief summary of the process of becoming a Chiropractor you must achieve the following:

  • 2 to 4 year of undergraduate studies.
  • 4 years of Chiropractic School
  • Successfully passing the state licensing examination.

While the journey to becoming a Chiropractor may be filled with challenges the final reward is financial success, a personally rewarding career, and the respect of your community.