Dr. Carson Thompson had seen it all—or so he thought. One rainy Tuesday in Lafayette, a patient slipped in the lobby while heading to the treatment room. No major injuries, thankfully, but the fall led to a stiff neck and a stiff demand letter. A week later, the same treatment table he used daily stopped working mid-adjustment, nearly hurting another client. That’s when it hit him: it’s not just backs that need alignment. His insurance coverage did too.
If you own or operate a chiropractic clinic in Louisiana—whether you’re in Baton Rouge, New Orleans, or right here in Lafayette—you carry unique risks that most general business policies don’t fully cover. And too many chiropractors don’t find that out until something bad happens.
Here’s what you need to know to protect your clinic, your equipment, and your professional reputation.
Running a chiropractic practice means working hands-on with clients, using specialized equipment, and often running a small team. Each of those elements introduces its own set of risks—from bodily injury to equipment failure to employee disputes.
Unlike a retail shop or office-based business, chiropractic clinics can be hit from multiple sides:
A client could file a malpractice claim, even if the injury isn’t your fault.
Your X-ray machine or treatment table could fail, halting business for days.
An employee could file a harassment claim or wage dispute.
And like any other business in Louisiana, you could be impacted by storms, power outages, or even a slip-and-fall at the front door.
Before something happens, you need coverage that fits the real risks of your practice. Here's what that usually includes:
This is the big one. If a patient claims your treatment caused harm, this policy steps in to defend you. Even if the claim is baseless, legal fees alone can cripple a clinic without proper protection.
Covers bodily injury or property damage that happens at your clinic—like a patient slipping in the lobby or damaging their phone during a visit.
Covers damage or theft of your equipment—everything from adjustment tables to therapy tools. It can also help if your space is damaged by storms, fire, or vandalism.
Required in Louisiana if you have employees, this covers medical bills and lost wages if an employee gets injured while working.
If a storm or equipment failure shuts your doors, this coverage can help pay for lost income, rent, and bills until you're back up and running.
Protects you against claims from employees about things like wrongful termination, discrimination, or harassment. Even small clinics aren’t immune from these issues.
Do you store patient records digitally? Then you’re a target for hackers—even if you don’t think your system is “that important.” Cyber liability coverage helps with legal fees, breach notifications, and credit monitoring if sensitive data is compromised.
Coverage amounts vary based on your location, equipment, services offered, and size of staff. A solo practitioner in Youngsville won’t need the same coverage levels as a multi-clinic operation in Baton Rouge. But even solo practitioners should carry:
$1 million per occurrence in general liability
$1–2 million in professional liability
Enough property coverage to replace your most important equipment
If you lease your office, your landlord may also require minimum insurance levels. It’s worth reviewing your lease closely—and making sure your policy meets the requirements.
Many chiropractors buy a general business policy without realizing it doesn’t cover malpractice. Or they add malpractice but leave out business interruption or cyber protection. And the truth is, most chiropractors don’t have time to dig through policy exclusions and technical details.
That’s where a commercial insurance advisor—one who knows your industry—makes a difference.
At Kastner Insurance, we help chiropractors across Lafayette, Baton Rouge, New Orleans, and beyond get the coverage they actually need—without paying for things they don’t.
We work with carriers that understand healthcare businesses and know how to customize coverage based on your practice’s size and scope.
Whether you’ve been adjusting spines for 20 years or just opened your doors last month, we can help you align your coverage with your clinic’s real-world risks.
Let’s talk about what your chiropractic clinic needs today.
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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