The OUM Difference

The OUM Difference

Over the past 40 years, OUM Chiropractor Program has rapidly becoming the leader in providing professional liability insurance for chiropractors. We will take the time to assess your needs and assist you in choosing the policy coverage that best suits your practice–whether you work full-time or part-time or if you're in a group practice. We insure chiropractors, regardless of their philosophy.

Included in the price of the OUM policy

  • Consent to settle and no hammer clause*
  • Administrative Defense Coverage (ADC)** – $25,000 limits of liability. Provides coverage for but not necessarily limited to:
    • Meaningful use audits
    • Administrative disciplinary actions
      • Pre-payment and post-payment audits
      • HIPAA violation investigations
      • Hospital de-certification
      • Up to five levels of appeal in Medicare audit
      • Patient complaint to board
      • Board investigation due to professional liability indemnity payment
      • De-certification from insurance payment programs, including Medicare/Medicaid
      • Billing and coding errors



  • Chiropractic-specific PACE-approved courses and credits
  • Chiropractic-specific risk management materials including:
    • Publications designed specifically for chiropractors
    • Customizable sample forms available online
    • Webinars
    • Podcasts    
  • Discounts based on patient contact hours, claims-free history, leave of absence, new practitioner and semi-retirement

Proven Experience and Strength

  • Advisory board comprised of some of the nation’s leading chiropractors
  • Responsibly priced
  • Proud to be underwritten by ProAssurance companies

 *Per policy terms.
**Per state regulations.