What type of malpractice insurance is recommended for chiropractors in Ohio?

Professional liability insurance is the recommended type of malpractice insurance for chiropractors in Ohio because it specifically protects practitioners against claims of negligence or malpractice arising from their professional services. This type of insurance covers legal fees, settlements, or judgments resulting from lawsuits that allege inadequate or improper treatment, failure to diagnose, or other errors that affect patient care.

In the chiropractic field, where the treatment involves physical manipulation of the spine and musculoskeletal system, there is a heightened risk of patient claims alleging harm or injury. Professional liability insurance is designed to address these unique risks, ensuring that chiropractors are financially protected while performing their duties and maintaining the trust of their patients.

Other insurance types mentioned, like general liability insurance, primarily cover risks related to non-professional activities, such as slip and fall incidents on the practice premises, which does not suffice for the specific needs of healthcare providers. Health insurance pertains to coverage for patients’ medical needs rather than the practitioner’s liability. Property insurance safeguards the physical assets of the practice but does not protect against malpractice claims, making professional liability insurance the most relevant choice for chiropractors seeking to mitigate legal risks related to their practice.