The SCPIE Companies have developed an outstanding professional liability program exclusively for chiropractors. This comprehensive program combines broad coverage, aggressive claims handling and proactive risk management in one package—all for a very competitive rate.

The program includes claims-made and –reported coverage for the following:

Medical Professional Liability
Claims arising from providing chiropractic or other related healthcare services to a patient, or from the professional evaluation of healthcare services. This also provides “vicarious liability” coverage for healthcare services performed for a patient by other insureds under the policy.

Medical Corporation Liability
Claims against the solo medical corporation and covered salaried employees for professional and premises exposures.

Professional Office Premises Liability
Property damage and bodily injury claims against the named insured and salaried employees that arise from business operations conducted at the covered premises. Coverage for the “fire and water liability hazard” is included.

Professional Committee Activities
Claims resulting from peer review and other professional activities as a member of a committee of a professional chiropractic association or society, or a staff committee of any accredited hospital.

Defense-Only Coverage for Certain Acts
This includes allegations of any of the following: guaranteeing the results of healthcare services; sexual intimacy, molestation or harassment; and the rendering of healthcare services while under the influence of alcohol or narcotics. SCPIE will defend an insured against a claim for punitive damages if it allegedly resulted from a claim for compensatory damages covered by the policy.

• No annual fees or membership dues.
• Retroactive coverage (prior acts coverage) is available. This can enable a chiropractor to change from another claims-made insurance company without buying expensive tail coverage.
• Free tail coverage is provided in the event of death or permanent disability, or upon complete retirement for qualified chiropractors. Retirement requirements make qualifying easy:
  — No age requirement.
  — Being insured by SCPIE for the previous five consecutive years.
  
• The policy requires the named insured’s written consent to settle a professional liability claim.
• Defense costs are paid in addition to the liability limits of the policy.
• Entity coverage is provided to protect medical corporations owned by the named insured.
• Compensation for attending a trial—$250 per half day, with a limit of $10,000 per trial—is paid to the named insured when such attendance is at SCPIE’s request.
• Emergency Medical Care coverage provides reimbursement to the named insured for the cost of emergency medical and surgical supplies.
• Manipulation Under Anesthesia covered at no additional premium.

• Part-time discount for qualified DCs practicing an average of 20 hours or fewer per week reduces the rate by 50%.
• Competitive New-to-Practice Discount:
  1st Year — 75%
  2nd Year — 50%
  3rd Year — 25%
  
• Claim-Free discounts available.

• Annual, semiannual and quarterly payment options are available.
• SCPIE Express Pay program allows automatic premium deductions from a checking account, or annual premium payment by credit card.

Aggressive Claims Handling
The nearly 11,000 policyholders—physicians and chiropractors—insured by SCPIE appreciate our well-deserved reputation for tenaciously defending claims. SCPIE’s claims management is unsurpassed when it comes to experience and expertise, which is why our success rate in defending insureds is outstanding. Only one out of five claims results in an indemnity payment.

Proactive Risk Management
We strive to prevent claims from being filed in the first place. SCPIE risk management includes a 24-hour tollfree hotline, education programs and other customized services—such as risk management speakers for chiropractic societies.

Financial Strength and Security
SCPIE is a solid, well-capitalized professional liability insurer. Our policyholders can rest assured that whenever they need to defend their financial security and professional reputation, we’ll be there to stand by them!

To receive additional information and a free, no-obligation premium estimate, call SCPIE at 800/717-5333 or click here.

Click here to download the application in PDF format.