Insurance Program Results
Chiropractors: Carriers Tweak Coverage
Crittenden Insight |
Crittenden Insurance Program Directory™ |
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Chiropractor Professional Liability Programs |
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Carrier (Administrator) |
Appetite/Distinguishing Characteristics |
Distribution/Access |
Crittenden’s Customer |
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Philadelphia Insurance Cos. |
Individual coverage only. Board of examination defense coverage up to $30,000 sublimit, HIPAA defense up to $30,000 sublimit and sexual abuse and molestation defense up to $30,000 where available. Limits up to $3 million. Admitted. |
Independent Agents |
5 Stars |
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Podiatry Insurance Co. of America/PACO Insurance Co. |
OUM Chiropractor Program: Administrative defense coverage, locum tenens, shared or separate limits. Limits up to $1 million/$3 million. Admitted. |
Direct, but may |
5 Stars |
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Chaucer Plc (Huntersure) |
Sexual abuse limits of $25,000/$50,000 included. Enhancements include sexual abuse limits up to $1 million/$3 million, defense outside limits, employment benefit liability, hired nonowned auto up to $1 million/$3 million, first-dollar defense, and sublimits for legal/media event expense, evacuation expense, privacy reimbursement, HIPAA, disciplinary proceedings and theft. Limits up to $3 million/$6.45 million. Non-admitted. |
Wholesale Brokers |
4 Stars |
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AIG (RPS Healthcare) |
General liability included at no extra charge. Full consent to settlement. Defense costs outside limits. Billing E&O, HIPAA and administrative hearing defense coverage with limits up to $50,000 available. Limits up to $2 million/$4 million. Admitted. |
Agents |
5 Stars |
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Navigators Management Co. |
Incident sensitive trigger for professional liability, medical director coverage, general liability. Limits up to $5 million. Non-admitted. |
Brokers (Open) |
3 Stars |
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Kinsale Insurance Co. |
Non-standard solo chiropractors. Defense within limits, consent to settle with hammer clause. Enhancements for incident coverage trigger, defense outside limits, damages only deductible, entity coverage and no punitive damages exclusions, broad action legal expense and trial cost reimbursement, etc. Limits up to $1 million/$3 million in all states with up to $2 million/$6 million in Virginia. Non-admitted. |
Surplus Brokers |
5 Stars |
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Allied Professionals Insurance Co. RRG |
Writes about one-third of chiropractic market. Discount if insured uses informed consent arbitration agreement. Limits up to $2 million/$6 million. Non-admitted. |
Brokers and Professional Associations |
5 Stars |
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Hiscox USA |
Chiropractor clinic. General liability, crime, privacy. Can offer sexual abuse and misconduct on a standalone basis. Limits up to $10 million. Non-admitted. |
Wholesale Brokers |
5 Stars |
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CNA. Foremost Insurance Group, MedPro Group |
Defense cost outside limits; consent to settle clause; vicarious liability; dual license coverage for acupuncture, massage therapy and physical therapy. In addition to professional liability, coverage is also available for general liability, property, employment practices liability, workers’ compensation, flood insurance, cyber liability/data breach, disability and business overhead insurance and long-term care insurance. |
Agents |
4 Stars |
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MedPro Group |
Defense costs in addition to limits, HIPAA proceedings up to $25,000, loss of earnings up to $35,000, administrative hearing expenses (including licensure and Medicare/Medicaid billing error defense) up to $100,000, workplace liability coverage, medical expenses up to $25,000 per person and up to $100,000 aggregate. Admitted. |
Agents |
3 Stars |
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Great Divide Insurance Co. (Sonoran National Insurance Group) |
True consent to settle, investigative and defense costs outside limit, sublimits for defense of false allegations for patient boundary/sexual misconduct violations, up to $50,000 licensure/regulatory board defense, up to $50,000 for peer review committee investigation and defense, up to $10,000 for information privacy wrongful act defense and settlement, up to $10,000 health plan and Medicare/Medicaid billing error defense, and more. Optional cyber protection. Limits up to $2 million/$4 million. Admitted. |
Direct |
3 Stars |
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Physicians Reciprocal Insurers |
New York only. Risk management, new doctor and no-consent discounts. Limits up to $1 million/$3 million. Admitted. |
Brokers |
2 Stars |
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NCMIC |
Consent to settle, professional entity/corporation coverage, reimbursement for appearing before state licensing board, supplemental legal defense and dual license coverage. Limits up to $2 million/$4 million. Admitted. |
Direct |
4 Stars |
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Source: Crittenden Research Inc. © 2016, Crittenden Insurance Program Directory™ |
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Beazley Breach Response Select
Administered By: Beazley
Distribution: Direct/Broker
| Industries: |
Accountable Care Organizations (ACOs), Acupuncturist, Allied Health, Art Galleries/Fine Art/Museums/Antique Dealers, Assisted Living Facilities, Chiropractors, Civic Clubs (Nonprofit), Colleges & Universities, Continuing Care Retirement Communities (CCRCs), Day Spas, Dentists, Education & Nonprofit, Emergency Response Services (Ambulance), Gastroenterologist, Health Maintenance Organization (HMO), Healthcare Systems, Hospice, Hospitality (Hotels/Motels), Hospitals, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Independent Living Facilities, Laboratories, Lawyers, Long-Term Care Facilities (LTC), Managed Care Organizations, Massage Therapy/Therapists, Mental Health/Behavioral (Counseling/Counselors), Midwives, Non Emergency Transportation (Medical), Nurse/Staffing Registries, Nursing Homes/Skilled Nursing Facilities, Opticians, Pharmacies, Pharmacists, Physicians, Podiatrists, Private/Charter Schools, Psychiatric Facilities/Hospitals, Psychologists, Rehabilitation Facilities, Research/Research Organizations (Clinical, Etc.), Retail, Schools, Schools (Adult Education), Substance Abuse Rehabilitation Facilities & Services, Surgeons, Therapy/Therapists, Weight Loss Clinics |
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Carriers: Beazley Insurance Co. Inc.
Coverage: Cyber Liability, Excess, Umbrella/Excess
Limits: up to $5 million
Chiropractors Professional Liability
Administered By: Philadelphia Insurance
Distribution: Carrier Direct
| Industries: |
Chiropractors |
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Carriers: Philadelphia Insurance Co.
Coverage: Professional Liability
Limits: up to $3 million
Podiatry Insurance Co. of America
Administered By: ProAssurance Corp.
Distribution: Direct/Broker
| Industries: |
Acupuncturist, Chiropractors, Podiatrists |
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Carriers: Podiatry Insurance Co. of America
Coverage: Professional Liability
Limits: up to $1 million/$3 million
Chiropractors
Administered By: Physicians Reciprocal Insurers
Distribution: Carrier Direct
| Industries: |
Chiropractors |
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Carriers: Physicians' Reciprocal Insurers
Coverage: Professional Liability
Limits: $100,000 thru $300,000 - $1,000,000 thru $3,000,000 (There is an in between area as well)
Allied Healthcare
Administered By: Huntersure LLC
Distribution: MGA
| Industries: |
Acupuncturist, Adult Day Care, Allied Health, Audiologists, Chiropractors, Emergency Medical Technicians (EMTs), Emergency Response Services (Ambulance), Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Massage Therapy/Therapists, Medical Labs, Non Emergency Transportation (Medical), Nurse Practitioners, Nurse/Staffing Registries, Nurses, Nurses (CRNA), Nutritionist/Dietitian, Occupational Therapist, Opticians, Pharmacies, Physical Therapists, Physician Assistants, Speech Therapy/Therapists, Veterinarians/Veterinary Risks |
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Carriers: Chaucer plc
Coverage: Abuse & Molestation Liability, General Liability, Professional Liability
Limits: up to $3 million/$6.4 million
Chiropractor Plus Program
Administered By: RPS Healthcare
Distribution: Program Administrator
| Industries: |
Chiropractors |
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Carriers: National Union Fire Insurance Co.
Coverage: General Liability, Professional Liability
Limits: up to $2,000,000/$4,000,000
Allied Healthcare
Administered By: Navigators Management Co. Inc.
Distribution: Carrier Direct
| Industries: |
Adult Day Care, Ambulatory Surgery Centers (ASCs), Blood/Tissue Banks, Chiropractors, Cosmetic Surgeons/Aesthetic Professionals, Counseling (Marriage & Family), Home Healthcare, Hospice, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Clinics/Infirmaries, Medical Labs, Medispas, Pharmacies, Physical Therapists, Psychiatric Facilities/Hospitals, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: The Navigators Group Inc.
Coverage: General Liability, Professional Liability
Limits: up to $5 million (Primary or Excess)
Employment Practices Liability
Administered By: NAS Insurance Services
Distribution: MGA
| Industries: |
Accountable Care Organizations (ACOs), Acupuncturist, Allied Health, Builders Risk/Home Builders, Chiropractors, Commercial Real Estate, Commercial Real Estate (Industrial), Commercial Real Estate (Office), Commercial Real Estate (Retail), Contractors, Dentists, Farm/Ranch/Agribusiness, Health Maintenance Organization (HMO), Healthcare Systems, Hospitals, Long-Term Care Facilities (LTC), Manufacturers/Manufacturing Risks, Massage Therapy/Therapists, Opticians, Pharmacies, Physicians, Podiatrists, Psychologists, Real Estate Agent/Broker, Real Estate Appraiser, Research/Research Organizations (Clinical, Etc.), Therapy/Therapists |
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Carriers: Lloyd's of London
Coverage: Employment Practices Liability (EPL)
Limits: $100,000 - $2 million
HealthcarePros (Miscellaneous Healthcare)
Administered By: U.S. Risk
Distribution: MGA
| Industries: |
Allied Health, Ambulatory Surgery Centers (ASCs), Assisted Living Facilities, Chiropractors, Dental Hygienists, Home Healthcare, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Laboratories, Medical Clinics/Infirmaries, Medical Labs, Medispas, Mental Health/Behavioral (Counseling/Counselors), Non Emergency Transportation (Medical), Nurse/Staffing Registries, Nurses (CRNA), Opticians, Paramedics , Pharmacies, Substance Abuse Rehabilitation Facilities & Services |
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Carriers: Lloyd's of London
Coverage: Excess, General Liability, Professional Liability, Umbrella/Excess
Limits: $100,000/$300,000 - $2 million/$4 million
Medical Professionals (Non-Standard)
Administered By: Kinsale Insurance
Distribution: Carrier Direct
| Industries: |
Chiropractors, Physicians (Nonstandard), Podiatrists |
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Carriers: Kinsale Insurance Co.
Coverage: Professional Liability
Limits: $2,000,000 Per Claim - $6,000,000 Aggregate (For Virginia only.), $1,000,000 Per Claim - $3,000,000 Aggregate
Allied Health
Administered By: Allied Professionals Insurance
Distribution: Direct/Broker
| Industries: |
Acupuncturist, Allied Health, Alternative Medicine, Chiropractors, Fitness Professionals, Massage Therapy/Therapists, Nutritionist/Dietitian, Physical Therapists |
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Carriers: Allied Professionals Insurance Co., a RRG
Coverage: General Liability, Professional Liability
Limits: up to $2 Million/$6 million
Allied Healthcare
Administered By: Hiscox USA
Distribution: Carrier Direct
| Industries: |
Acupuncturist, Adoption/Foster Services & Facilities, Adult Day Care, Allied Health, Assisted Living Facilities, Audiologists, Body Piercing/Tattoo Parlors, Chiropractors, Cosmetic Surgeons/Aesthetic Professionals, Dental Hygienists, Dialysis Centers, Emergency Response Services (Ambulance), Fitness Professionals, Home Healthcare, Hospice, Laboratories, Medical Clinics/Infirmaries, Medical Directors, Medispas, Mental Health/Behavioral (Counseling/Counselors), Nurse Practitioners, Nurse/Staffing Registries, Nurses, Nutritionist/Dietitian, Occupational Therapist, Opticians, Pharmacies, Pharmacists, Physical Therapists, Psychiatric Facilities/Hospitals, Psychologists, Research/Research Organizations (Clinical, Etc.), Speech Therapy/Therapists, Substance Abuse Rehabilitation Facilities & Services, Therapy/Therapists, Urgent Care, Veterinarians/Veterinary Risks, Weight Loss Clinics |
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Carriers: Hiscox Insurance Co. Inc.
Coverage: Abuse & Molestation Liability, Crime, Cyber Liability, Excess, General Liability, Privacy Liability/Notification Expense, Professional Liability, Umbrella/Excess
Limits: up to $10,000,000
Chiropractic Protector Plan
Administered By: B&B Protector Plans, Inc.
Distribution: Program Administrator
| Industries: |
Chiropractors |
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Carriers: CNA Insurance Cos, Foremost Insurance Group, Medical Protective Co.
Coverage: Commercial Property, Cyber Liability, Disability Income, Employment Practices Liability (EPL), Flood, General Liability, Professional Liability, Workers' Compensation
Limits: $100,000/$300,000 - $1 million/$3 million
Healthcare Providers
Administered By: MedPro Group
Distribution: Carrier Direct
| Industries: |
Acupuncturist, Allied Health, Audiologists, Chiropractors, Counseling (Marriage & Family), Dental Assistants, Dental Hygienists, Emergency Medical Technicians (EMTs), Midwives, Nurse Practitioners, Nurse/Staffing Registries, Nurses, Nurses (CRNA), Nurses (Visiting), Nursing Homes/Skilled Nursing Facilities, Nutritionist/Dietitian, Occupational Therapist, Opticians, Paramedics , Pharmacists, Physical Therapists, Physician Assistants, Podiatrists, Psychologists, Social Workers, Speech Therapy/Therapists |
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Carriers: Medical Protective Co.
Coverage: Cyber Liability, Excess, General Liability, Medical Malpractice, Professional Liability
Limits: up to $1 million/$3 million (Primary), up to Any (Excess)
ClaimProtector Coverage
Administered By: MedMal Direct
Distribution: Carrier Direct
| Industries: |
Allied Health, Ambulatory Surgery Centers (ASCs), Chiropractors, Community Health Centers, Imaging Centers/Diagnostic Labs (X-Ray, MRI, etc.), Medical Labs, Midwives, Nurse Practitioners, Nurses (CRNA), Physician Assistants, Physicians, Rehabilitation Facilities, Surgeons, Urgent Care, Wellness/Preventative Care |
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Carriers: MedMal Direct Insurance
Coverage: Professional Liability
Limits: $100,000/$300,000 - $3 million/$6 million (May Vary By State)
Doctor of Chiropractic
Administered By: Sonoran National Insurance Group
Distribution: Program Administrator
| Industries: |
Chiropractors |
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Carriers: Great Divide Insurance Co., Nautilus Insurance Co.
Coverage: Professional Liability
Limits: $100,000/$300,000 - $2 million/$4 million