Dr. Alvarez had been running his chiropractic office in Baton Rouge for years without issue. But one Friday evening, an electrical fire in a neighboring office suite spread into his practice. By the time firefighters arrived, smoke and water had ruined adjustment tables, therapy equipment, and patient files. The office was closed for weeks, and the financial strain was immediate.
For chiropractic offices in Louisiana, fire is one of the most serious risks. From old wiring in older commercial buildings to the hot, humid climate that stresses electrical systems, the chance of a fire-related loss is higher than many realize. Property insurance is the safeguard that helps practices recover.
Chiropractic offices often occupy strip malls, older medical buildings, or renovated spaces. These locations may have:
Aging electrical systems vulnerable to shorts
High energy use from imaging or therapy devices
Shared walls with other businesses where fires can spread quickly
Combine these risks with Louisiana’s frequent storms, which can trigger electrical surges, and fire becomes a concern for any clinic.
Commercial property insurance typically covers:
Repair or rebuilding of damaged office space
Replacement of chiropractic equipment and furnishings
Cleanup of smoke, soot, and water from firefighting efforts
Many policies also cover debris removal and rebuilding costs that extend beyond initial damage.
Even if equipment is replaced, clinics often face weeks of downtime. Business interruption coverage — often added to a property policy — helps cover lost income and ongoing expenses while repairs are made. Without it, many small offices struggle to reopen.
Insurance is vital, but fire safety steps make a difference:
Regularly inspect wiring and outlets
Use surge protectors for sensitive equipment
Keep fire extinguishers visible and accessible
Train staff on evacuation and emergency response
Chiropractic practices across Lafayette, Baton Rouge, New Orleans, Alexandria, and Acadiana rely on their equipment and office space to treat patients daily. Fire damage can put everything on hold. At Kastner Insurance, we tailor property insurance to cover the real risks chiropractic offices face in Southern Louisiana.
Contact Kastner Insurance today to review your property insurance coverage and make sure your practice is prepared for the unexpected.
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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