Chiropractor Professional Indemnity Insurance
PI cover for chiropractors across Australia - clinical practice, consulting, ergonomic advice, and medicolegal work. Structured to meet Chiropractic Board of Australia registration requirements.
AHPRA
Registration Ready
All Activities
Covered
Same Day
Quotes
Recognition
Every assessment, every referral decision, every piece of advice. It all carries professional risk.
Chiropractors carry liability exposure across a broad scope of work - clinical treatment, workplace assessments, medicolegal reports, corporate wellness programs, and educational services. A single claim, even an unfounded one, can be expensive to defend.
The Chiropractic Board of Australia requires registered chiropractors to maintain appropriate Professional Indemnity insurance as a condition of AHPRA registration. We work with specialist underwriters to source cover that matches your actual scope of practice.
AHPRA Registration Requirement
The Chiropractic Board of Australia requires all registered chiropractors to hold PI insurance covering all aspects of practice. Your policy must be in place at all times, and must cover civil liability claims across the full scope of your professional activities.
Common Claim Scenarios
- Ergonomic assessment dispute - employee develops chronic pain despite following workstation recommendations
- Medicolegal report challenged - expert opinion disputed by opposing experts in personal injury proceedings
- Missed referral - serious condition not identified during a consulting assessment
- Scope of practice dispute - advice alleged to have exceeded chiropractic scope
WHY TANK INSURANCE
PI Insurance for Chiropractors Across Australia
We access specialist underwriters and insurance markets to arrange PI cover for chiropractors - from solo clinical practices to practitioners with consulting, medicolegal, and educational activities. We work closely with you to understand your specific scope and source terms that reflect your actual risk.
01
Chiropractic Board Requirements
We check your policy against Chiropractic Board of Australia registration standards to confirm your cover meets the conditions for all your practised activities.
02
Full Scope Coverage
Clinical treatment, ergonomic consulting, medicolegal reports, wellness program design. We confirm your policy explicitly covers every professional activity you perform.
03
Specialist Underwriter Access
We work with underwriters who have genuine appetite for health professional risks, comparing options to find competitive terms suited to your practice profile.
04
Claims Support
If a claim arises, we support you through the process from notification to resolution, including AHPRA matters and Chiropractic Board investigations.
RISK ASSESSMENT
Key Professional Risks for Chiropractors
These are the exposures that make appropriate PI coverage essential across clinical, consulting, and advisory chiropractic work.
POLICY SCOPE
What Chiropractor PI Insurance Covers
A comprehensive Professional Indemnity policy for chiropractors typically includes these protections.
Usually Covered
Not Typically Covered
CLAIM SCENARIOS
Real-world claims that chiropractors face. These examples show why appropriate PI cover matters.
A workplace ergonomics claim arises when a corporate client's employee develops chronic pain despite following the chiropractor's workstation assessment recommendations. The employer alleges the assessment was inadequate and seeks compensation for ongoing treatment costs and lost productivity.
A medicolegal report dispute occurs when a chiropractor's expert opinion in a personal injury claim is challenged by opposing experts. The instructing solicitor alleges the report was negligently prepared, contributing to an adverse case outcome for their client.
Ergonomic Assessment Claims
Workplace assessments are a common consulting activity. If an employee experiences ongoing injury despite following recommendations, the employer or employee may allege the advice was inadequate.
Medicolegal Report Disputes
Expert witness work carries its own liability. If a report's conclusions are successfully challenged, the instructing party may allege negligent preparation.
Missed Referral
A consulting chiropractor who fails to identify signs warranting medical investigation may face claims if a serious condition is diagnosed later.
Scope of Practice
Advice alleged to have exceeded the scope of chiropractic practice can result in both regulatory complaints and civil claims.
RISK MANAGEMENT
Good professional practice is your best protection. These habits reduce claims and strengthen your position if one arises.
Insurers look favourably on practitioners with strong professional governance. Clear documentation, defined terms of engagement, and a consistent approach to referral decisions can support better policy terms and lower premiums over time.
Document Everything
Clear records of assessment findings, clinical reasoning, advice given, and referral recommendations. Good notes are your best defence in a claim.
Define Your Scope
Use clear terms of engagement for consulting work. Make sure clients understand what your assessment covers and what it doesn't.
Refer Promptly
When presentations are outside your scope or suggest conditions requiring medical investigation, refer early and document your reasoning.
Stay Current
Ongoing CPD and peer review keep your knowledge and practice aligned with current evidence and professional standards.
QUESTIONS
Chiropractor PI Insurance FAQs
Professional Indemnity for Chiropractors
Whether your practice is purely clinical or includes consulting, medicolegal, or educational work, our brokers access specialist underwriters to arrange PI cover that meets your Chiropractic Board registration requirements and reflects your actual scope.