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Workers' Compensation Insurance for Chiropractors

Policies for Wellness Clinics and Craniologists

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Why do Chiropractors need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Chiropractors use precision, care, and physical effort to help patients heal, but the job comes with risks. From musculoskeletal injuries caused by repetitive motions to slips and falls in the office, chiropractic professionals face unique hazards. Workers' compensation insurance offers financial protection for medical expenses and lost wages, letting you focus on patient care.

Common Chiropractor injuries

Musculoskeletal disorders (MSDs) – strain from repetitive motions like spinal adjustments can harm the back, shoulders, and wrists
Slips and trips – wet floors or misplaced equipment can lead to falls
Back injuries – improper posture or lifting heavy equipment can strain muscles or cause disc injuries
Needlestick injuries – handling tools like acupuncture needles increases exposure risks

Common types of Chiropractor workers we can insure

Acupuncture Practices

Chiropractic Offices

Wellness Clinics

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Chiropractors workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Chiropractor Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Chiropractors cost?

In 2025, workers' compensation for chiropractors is approximately $0.27 per $100 of payroll, equaling a low monthly cost. Find out more in Workers’ Comp Rates for Chiropractors 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Chiropractors

Here are the main categories for classifying injuries in the chiropractic industry. For more details, visit our guide, Workers’ Comp Class Codes for Chiropractors.

8832 - Chiropractors and Physical Health Offices

8832 - Misc, Health Practitioner - Masseuse - Licensed

0957 - Chiropractors and Physical Health Offices (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing chiropractor workers' compensation insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Chiropractor Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Chiropractor Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Chiropractors

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Are 1099 contractors at a chiropractor's office required to have workers' comp?

Yes, if they don’t have their own coverage, their wages must be included in your policy.

Do I need to cover non-chiropractor staff like assistants or receptionists?

Yes, W2 employees, regardless of their roles, must be included in your workers' comp policy for compliance.

State laws on Workers' Comp for Chiropractors

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Chiropractors?

Yes, we can help with that too!

Learn more about Chiropractor Insurance

a chiropractor performing a shoulder joint treatment on a patient

Workers’ Compensation Insurance for Chiropractors Cost 2025

Workers Comp Code for Chiropractors: A Complete Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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