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

Professional liability insurance is recommended for chiropractors in Ohio because it specifically covers claims related to the professional services they provide. This type of insurance protects chiropractors against allegations of negligence, errors, or omissions that may arise from their practice. Since chiropractors perform hands-on treatments and provide specialized medical advice, they are at risk of being sued by clients who may claim harm or dissatisfaction with the services rendered.

Professional liability insurance encompasses legal costs, settlements, or judgments that may result from such claims, which are not typically covered under general liability or property insurance. General liability insurance generally covers physical damages or injuries that occur on the chiropractor’s premises, not the professional exposure related to treatment practices. Health insurance is unrelated to malpractice claims and is designed to cover medical expenses for individuals, while property insurance is focused on safeguarding physical assets rather than professional liability in the context of healthcare services. Thus, professional liability insurance is essential for protecting a chiropractor's practice and financial stability in the event of legal challenges related to their professional conduct.