Florida Chiropractic Laws and Rules (FCLR) Practice Exam

What is required for a chiropractor to be eligible for licensure or renewal regarding malpractice insurance?

1. They must have private coverage without limits

2. They must obtain and maintain professional liability coverage of at least $100,000 per claim

3. They can utilize their personal health insurance instead

4. They should have no required insurance

The correct answer is: They must obtain and maintain professional liability coverage of at least $100,000 per claim

To be eligible for licensure or renewal, chiropractors are required to obtain and maintain professional liability coverage of at least $100,000 per claim. This requirement is in place to ensure that chiropractors have a level of malpractice insurance that provides adequate financial protection for both the practitioner and their patients in the event of a claim. The specified minimum amount reflects a standard within the field, aimed at safeguarding the integrity of chiropractic practice and providing assurance to patients that their practitioners are covered against potential liabilities. Other options suggest various alternatives that do not meet the regulatory standards set for licensure. Private coverage without limits may not align with the specific requirement of maintaining a minimum coverage amount as specified by law. Utilizing personal health insurance is not permissible since it does not provide the professional liability coverage that addresses the unique risks faced by chiropractors in their practice. Finally, having no required insurance fails to protect practitioners and patients, which is counterproductive to maintaining professional accountability within the chiropractic field.