Ready to apply?
Let’s get you covered.
A smart approach to Acupuncture Insurance, supported by MIEC, a member-owned insurance company supporting acupuncture practices for over 50 years. Our goal, to help you get just the coverage you need.
The Coverage You Need, Backed by the Support You Deserve
You’re more than an afterthought
Historically, malpractice insurance policies have excluded acupuncturists or have grouped you in with other coverages that don’t make sense for the unique work you do; we’re changing that with tailored policies that put your needs front and center, designed by acupuncture professionals who share your passion and heart.
Coverage at every phase of practice, for every phase of life
Acupuncture is rapidly gaining recognition as effective support for every phase of pregnancy, from conception and fertility to labor and delivery, and beyond. Where many carriers restrict or exclude you, we instead empower you with built-in coverage for these important services at no additional cost when certain criteria are met.*
Claims-made coverage for flexibility when you need it most
Claims-made policies with pre-paid tail coverage provide peace of mind and flexibility, with the added convenience of a single, all-inclusive premium. You can bring your prior acts exposure coverage from your previous carrier, and if you need to cancel, your tail premium cost is included at no additional cost to you. It’s that simple.
Affordable coverage you need, nothing more
No two practitioners are alike, and that’s why we offer customizable coverage, including discounted part-time rates that won’t box you in. If you see a lower volume of patients, it makes sense that you should pay a lower premium. Tell us about your practice, and we’ll provide you with affordable options that suit your needs.
*See policy for details.
You have questions and we have answers.
Explore our Frequently Asked Questions (FAQs) and if your question isn’t answered here, our team is here to help.
How do I get a quote or apply for coverage?
Acupuncture Select by MIEC RRG™ has you covered. If you are a solo practitioner seeking coverage as an individual, you can walk through the entire process using our online tools. Simply click the option to get a quote, or apply for coverage, and our system will walk you through the process step by step. Qualified applicants can get a quote, apply for coverage, and even pay/bind your policy from our website. If you are looking for coverage for a group, clinic, educational institution, or just need more personalized service, contact an Acupuncture Select Account Manager today.
Note: The online application is currently designed for individual practitioners only. If your practice is a group of practitioners and/or includes more than one acupuncturist, or is an educational institution, please contact an Acupuncture Select Account Manager to apply at 800.227.4527, or info@acupunctureselect.com. Or, select Get a Quote from the website, complete the contact form including the type of coverage you are looking for, and an Acupuncture Select Account Manager will contact you directly.
What is acupuncture malpractice insurance and why do I need it?
Professional Liability Insurance, also known as malpractice insurance, covers medical professionals for allegations of negligence, medical errors, or omissions during patient care. For acupuncturists, it provides financial protection and legal support if a patient claims your treatment caused harm. Professional liability policies may also provide coverage for administrative matters initiated by a licensing or regulatory body. While not required by most states or licensing boards, it is strongly recommended to protect your practice and personal assets in the event of an allegation/lawsuit.
What types of coverage are included in your policy?
For more detailed information regarding coverages, please visit our coverage overview page.
Professional Liability and Premises Liability Coverage
Administrative Defense Coverage
Policy Features:
- Claims-made with prepaid tail – If the policy is cancelled, tail coverage is included at no additional cost for up to 15 years.
- Prior-Acts coverage available at no additional charge, subject to Underwriting review and approval.
- Portable coverage – Covers you practicing under the scope of your license, regardless of the location while practicing within the coverage territory.
- Flexible coverage options – Full-time and part-time rates available
- Policy limits – Limit options include $1,000,000 per occurrence; $3,000,000 annual aggregate, or $2,000,000 per occurrence; $3,000,000 annual aggregate coverage. Defense costs DO NOT erode the primary limits of liability.
- Administrative Defense – Up to $25,000 in annual aggregate coverage for investigations and/or disciplinary action(s) by licensing boards or government agencies.
- Crisis Recovery Reimbursement – $10,000 annual aggregate in Crisis Recovery reimburse provided at no additional cost.
- Corporate entity coverage available – Legal entity can be named in the policy to extend coverage should the entity be named in a lawsuit. Entity can be named with a shared limit at no additional cost.
- Premises liability – blanket coverage for premises liability included, covering “slip/fall” type incidents in a covered location. (no opt-in required)
- Optional add-ons – Personal & Advertising Injury, Cyber liability/security coverage, and ancillary services
- Broad treatment coverage – Covers almost entire scope of practice in California including cosmetic acupuncture, fertility, and pregnancy (induction, turning breech), coverage expanded to include labor & delivery.
- Additional Insureds covered at no additional cost
- Arbitration and Consent forms – MIEC does not require arbitration or the use of its consent form
Is coverage available for both solo practitioners and group practices?
Yes! Acupuncture Select™ offers coverage for all Licensed Acupuncturists in states where we issue policies [insert link to map]. This includes solo practitioners, group practices, schools, employees, independent contractors, partnerships, and corporations.
Are student acupuncturists eligible for coverage?
Acupuncture Select ™ provides coverage for licensed acupuncturists. Students are typically covered through their school for clinic work and externships. Once you complete your studies and receive your state license, you’ll be eligible to apply.
Does your policy cover cosmetic acupuncture or other specialty modalities like cupping, Gua Sha, or herbal therapy?
Yes. Acupuncture Select ™ covers services that fall within your state’s approved scope of practice for licensed acupuncturists. This includes cupping, Gua Sha, herbal therapy, cosmetic/facial acupuncture, microneedling, fertility treatment, pregnancy care, and labor and delivery. Because the scope of practice varies by state, we recommend confirming which services are permitted in your state.
Certain procedures—such as direct moxa, acupuncture for anesthesia, use of non-disposable needles, and practicing outside your licensed scope—are excluded from coverage. If you have questions about whether a specific technique or service is covered, please contact us at info@acupunctureselect.com.
How much coverage do I need as an acupuncturist?
This is a personal decision based your comfortability and overall risk tolerance. In most states there are no prescribed rules/laws requiring malpractice insurance and/or limits. In our experience, the most common coverage limits are $1 million per incident and $3 million annual aggregate. This is generally sufficient for most individual practitioners. For an additional cost, higher limits—such as $2 million/$4 million—are available and typically chosen by larger practices or when required by credentialing organizations or other contractual obligations.
Are telehealth consultations covered under this policy?
Yes. Telehealth consultations and treatments are covered, as long as they fall within your state’s approved scope of practice and you are properly licensed (or otherwise authorized) in the state where the patient is physically located at the time of treatment. Licensing and telehealth regulations vary by state, so it’s important to confirm requirements before providing care across state lines.