How does a chiropractor choose his E&O insurance policy?  Did you know that the limits of insurance which are purchased may or may not include defends costs in addition to the liability limits.  This means, if a case takes too long and the attorney fees and liability damages exceed your policy limits, that no additional coverage will be available.  With the policy offered through Calco Commercial Insurance Services we are able to secure a policy, which will extend the attorney fees/defense costs, equal to the liability limits.  If you have a policy limit of $1,000,000 you will also have defense costs of $1,000,000.

Policy Highlights:

A. Defense Costs are in addition to the Limit of Liability

B. Board of Examination defense coverage provided, ($30,000 sub-limit)

C. Relief doctor coverage available

D. Accusations of Sexual misconduct defense coverage ($30,000 per claim, $60,000

per policy sub-limit)

E. HIPAA coverage ($30,000 sub-limit) for improper release of patient information

F. Free Extended Reporting Period for Qualifying Retirees

G. Claims-made coverage with Prior Acts coverage available for qualified risks.

Elective ‘tail’ coverage available upon policy’s expiration

H. No forms for patients to validate coverage

I. Coverage for employees as Insureds

J. Definition of Insured includes heirs, spouses and domestic partners

Get an online quote for Chiropractors Professional Liability Insurance or call (877) 225- 2699. Policies are offered in California only.