Malpractice and Professional Liability Insurance for Chiropractors

Underwritten by either PACO Assurance Company Inc. or PICA, both
rated A- Excellent by AM. Best. Coverage may vary by state.

OUM’s policy is a scope of practice policy.
Full-or part-time employees are automatically covered under the OUM policy (except KS), with the exception of other licensed professionals.
Regulatory Defense coverage includes professional discipline, billing errors and omissions,
defense for HIPAA claims and defense for sexual misconduct claims at no additional charge.
Peer review, utilization review, and independent medical exam coverage are included at no additional cost.
MUA, Needle EMG and Acupuncture coverage are included at no additional cost if within state scope of practice for chiropractic and the chiropractor has all necessary training and licensure.
OUM provides up to $500 per day for reimbursement of expenses and lost income due to trial attendance. Limits are $5,000 per trial/$10,000 aggregate.
OUM offers Locum Tenens coverage at no additional charge.
Corporation/partnership coverage available.
OUM offers Leave of Absence coverage at a 100% discount.
Legal fees are paid in addition to the policy limits.
No deductibles, no membership fees and no application fees.
Underwritten by carriers rated A- Excellent AM. Best.
Payments, Policy renewals, Certificates of Insurance, and other items may be processed through the OUM website or through OUM’s telephone IVR system.

OUM Discounts**

New practitioner discounts:
First Year 75%, Second 50%,Third 35%, and Fourth 20% (except NY).
Part-time discounts:
Under 20 hours per week 25%, Under 10 hours 50% (except NJ).
Risk management discount:
10% discount with purchase of Data Trace on-line course or home study and receiving a passing grade on post test.

* The OUM Chiropractor Program does not dictate how you practice as long as it is within your state’s scope of practice. See policy for details on actual coverage.

** Discounts may vary by state.