Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Chiropractic offices in Texas face unique challenges like repetitive strain injuries and managing patient care. Workers’ comp insurance protects your team, covering medical costs and lost wages if injuries occur, allowing your practice to operate smoothly and and stay protected.
In Texas, chiropractors are not required to carry workers’ compensation insurance. However, many chiropractic offices choose to offer coverage to protect employees from injuries, such as repetitive strain or accidents involving equipment, and to reduce potential legal and financial risks.
If a chiropractic office opts out of workers’ comp, it must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of its non-subscriber status and report all workplace injuries or illnesses. Failing to comply with these requirements can lead to penalties and additional risks.
Learn more about Workers’ Compensation Insurance Texas.
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.
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
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.
In Texas, you’re not required to carry workers' comp as a sole proprietor, but it could be a smart move. If you’re adjusting patients or performing other physical tasks, workers' comp can help cover medical bills and lost wages if you get injured while working.
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