Dr. Harris ran a chiropractic office in New Orleans for nearly fifteen years. His practice survived recessions, staff turnover, and even a brief move. But when Hurricane Ida tore through Southern Louisiana, his clinic was without power for weeks. No patients. No income. Rent and payroll were still due. Even after reopening, business was slow to return to normal.
That’s when Dr. Harris realized how important business interruption insurance can be. While property insurance helped replace storm-damaged equipment, it didn’t cover the income he lost during the closure — or the expenses that kept piling up.
Business interruption insurance is designed to protect your chiropractic practice financially when you can’t operate due to a covered event. It helps cover:
Lost income while your office is closed
Ongoing expenses like rent, utilities, and payroll
Temporary relocation costs if you need to move to another office space
Loan or mortgage payments that don’t stop just because business has paused
It bridges the gap between a disaster striking and your practice reopening.
Louisiana chiropractors face unique risks when it comes to unexpected closures. Some of the most common causes include:
Hurricanes and Tropical Storms: High winds, flooding, and power outages can keep offices closed for days or weeks.
Flooding: Even a heavy summer storm can overwhelm drainage systems, leaving treatment rooms and equipment unusable.
Fires: Electrical issues or accidental blazes can damage property, leaving you unable to treat patients.
Extended Power Outages: Beyond hurricanes, infrastructure issues or transformer failures can shut down a clinic completely.
Natural Disasters and Civil Events: Tornadoes, severe weather, or even unexpected civil unrest can force temporary closures.
For chiropractic offices that depend on consistent patient flow, even a few days of closure can lead to significant financial loss.
Chiropractors often run lean practices with small teams and high overhead. Missing two or three weeks of income can disrupt payroll, push bills behind, and even put the practice at risk of closure. Business interruption insurance ensures:
You can keep paying your staff during a shutdown.
Rent, utilities, and loans don’t spiral out of control.
You can focus on recovery without worrying about financial collapse.
It’s not just about surviving the immediate event — it’s about reopening strong and keeping your patient base intact.
At Kastner Insurance, we understand what chiropractors in Southern Louisiana face because we live and work here too. From hurricanes in Baton Rouge to flooding in Lafayette, we’ve seen how quickly an office can go from fully booked to completely closed.
We work with chiropractors across Louisiana — from New Orleans and Alexandria to Youngsville and beyond — to make sure their policies include the right business interruption coverage for their unique risks.
A natural disaster or power outage doesn’t have to mean financial disaster. With the right business interruption policy, your chiropractic office can weather the storm and bounce back quickly.
Contact Kastner Insurance today to review your coverage and make sure your practice is protected against the unexpected interruptions Southern Louisiana is known for.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
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