Many people retire to Florida, so a well-run business offering health-related services in the sunshine state is likely to thrive. A chiropractor who is planning to open a clinic needs to be thinking about Florida business insurance coverage among the many other decisions to be made when starting a new business. A chiropractor typically needs coverage for property, general liability and professional liability.  

•    Property coverage provides protection for the chiropractor’s assets such as clinical apparatus, furniture and office equipment.

•    General liability insurance covers the cost of bodily injury caused by the business, for example the medical costs of a patient who trips and falls in the waiting room.

•    Professional liability insurance helps to protect the chiropractor from the cost of lawsuits filed by patients claiming that the chiropractor has made a mistake in providing professional services.  

Although a chiropractor may feel that professional mistakes are unlikely to happen in a well-run clinic, all clinicians are exposed to the risk of claims by unsatisfied patients and professional liability insurance should be an important part of any chiropractor’s Florida business insurance coverage. Workers’ compensation and auto liability insurance are mandatory in Florida for a chiropractor who hires an employee or has a vehicle used mainly for business activities.

Are you a busy chiropractor planning to open a new clinic? Consider engaging a local insurance agency to take care of the clinic’s insurance business so that you can focus on setting up your new venture and providing patient care.
 

*