CM&F Group, a division of Specialty Program Group LLC, has launched a fully digital professional liability insurance program designed for chiropractors, allowing users to quote and bind coverage online.
The new product, developed for individual chiropractors, offers an online platform where applicants can obtain quotes and complete the binding process in minutes.
The coverage aims to address risks chiropractors face in patient care and practice operations. It is available in all 50 states and the District of Columbia. The program includes options for occurrence or claims-made coverage, coverage limits up to $1 million per claim and $3 million aggregate, a consent-to-settle clause, and defense costs outside the policy limits.
“Our launch into the chiropractic space continues our commitment to simplify the insurance experience while delivering unmatched coverage,” said William G.F. Sullivan (pictured above), executive vice president and chief underwriting officer at CM&F Group.
Sullivan said the offering is a response to market feedback that identified a need for faster, more affordable liability protection for chiropractors.
“From 24/7 online portal access to instant policy documents and certificates, to our responsive team available for any questions or client needs – we are committed to delivering the best experience in the market,” Sullivan said.
The program is underwritten by MedPro Group, a Berkshire Hathaway company that has been providing healthcare malpractice coverage for more than 100 years.
Chiropractors, like other healthcare providers, face legal exposure stemming from the physical nature of their services. Techniques involving spinal manipulation and musculoskeletal adjustments carry the possibility of patient injury, even when performed with appropriate care.
Professional liability insurance helps protect chiropractors against claims of negligence, malpractice, or bodily injury. In the event of a lawsuit, the policy covers legal defense costs, settlements, and court-awarded damages, making it an essential component of a chiropractor’s risk management plan.
In some states, malpractice insurance is required for chiropractors as a condition for licensure or license renewal. Even where not mandated by law, many professional associations and employers strongly recommend carrying such coverage.
CM&F’s new coverage also addresses a growing segment. The broader medical professional liability insurance market was valued at approximately $82.57 billion in 2024 and is projected to grow to $129.62 billion by 2034.
The market’s expansion is attributed to increasing awareness of malpractice risks, the rising cost of healthcare services, and the growing number of healthcare professionals seeking coverage.
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