workers’ comp for chiropractors in Florida

Florida Workers’ Comp for Chiropractors

Name: Workers' Compensation Insurance for Chiropractors in Florida
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Wellness Clinics and Craniologists

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Why do Chiropractors in Florida need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Florida chiropractors face unique challenges, from maintaining patient safety to managing active office environments. Workers' comp insurance protects your assistants and office staff, covering medical expenses and lost wages if injuries occur, so you can focus on providing care with peace of mind.

Common Chiropractor injuries

Back strain - poor posture or lifting heavy equipment can cause injury
Needlestick injuries - acupuncture tools pose infection risks
Slips and trips - from wet floors or misplaced items
Repetitive motion injuries - performing adjustments may harm shoulders or wrists
Joint pain - from consistent manual work

Workers' Comp for Chiropractors in Florida: Legal Requirements

Chiropractors in Florida with four or more employees are required by law to have workers' compensation insurance. Without proper coverage, your practice may face penalties like stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.

Common types of Chiropractor workers we can insure in Florida

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 Chiropractor workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Chiropractor Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Chiropractors in Florida cost per month?

Workers' compensation for chiropractors in Florida costs about $9 per employee monthly in 2025, which is a rate of $0.27 per $100 of payroll, plus taxes and fees. Discover 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 in Florida.

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 Florida Chiropractor

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

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

How to get Workers' Comp Insurance in Florida

Getting workers' comp insurance in Florida is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Chiropractor business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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 in Florida

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

Yes, if they lack their own coverage, you must include their wages in your policy.

All the chiropractors in our practice are members of the LLC. Can they exclude themselves from workers' comp coverage?

Yes, LLC members can exclude themselves. However, it can be challenging to find an insurance company willing to issue a policy for a small staff. Insurance companies often add premiums to make such policies viable.

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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 Ultimate Guide to Workers' Comp Insurance

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