According to Healthsource Chiropractic's 2025 Franchise Disclosure Document, the estimated initial investment for insurance ranges from $2,100 to $5,300 for both a conversion clinic and a start-up clinic. This cost is due before opening and is paid to the insurer. Healthsource Chiropractic requires franchisees to obtain and maintain various insurance coverages at their own expense. These include comprehensive commercial general liability and motor vehicle insurance, worker's compensation and employer's liability insurance, professional liability (malpractice) insurance, and any other insurance required by applicable law, rule, regulation, ordinance, or licensing requirement.

This initial insurance cost is part of the total estimated initial investment for a conversion clinic, which ranges from $115,764 to $425,584, or for a start-up clinic, which ranges from $421,291 to $618,387. The franchisee must secure these insurance policies before opening their Healthsource Chiropractic clinic to comply with the franchisor's requirements and applicable laws.

Prospective franchisees should carefully review Item 8 of the Healthsource Chiropractic FDD for more detailed information about the specific insurance requirements, including the types and amounts of coverage required. It is also advisable to consult with an insurance professional to obtain accurate quotes and ensure that the clinic has adequate coverage to meet all legal and business needs. The actual cost of insurance may vary based on factors such as location, coverage levels, and the franchisee's risk profile.