Dr. Thompson thought his New Orleans chiropractic clinic was covered with general liability insurance. That belief changed after a hurricane damaged his office roof, ruined adjustment tables, and forced him to close for nearly three weeks. His liability policy didn’t cover lost income, property damage, or relocation costs. The gap nearly shut his practice down.
This situation is why many small chiropractic offices in Louisiana choose a Business Owners Policy (BOP).
A BOP combines several key coverages into one package designed for small-to-medium businesses:
General liability – protects against patient slip-and-fall claims.
Property insurance – covers equipment, furnishings, and office space.
Business interruption – replaces lost income if your office closes after a covered event.
By bundling these coverages, chiropractors get comprehensive protection at a cost that’s often lower than buying each separately.
Chiropractic clinics face unique risks:
Expensive equipment like adjustment tables and X-ray machines
High patient traffic, increasing liability exposure
Dependence on physical office space to serve patients
In Louisiana, where hurricanes, floods, and power outages are common, one event can disrupt all three areas at once. A BOP helps bridge the gap.
Storm damage: A hurricane in Lafayette damages your roof and forces a temporary closure. Property and business interruption coverage help you recover.
Patient slip: A wet floor in Baton Rouge causes a fall. General liability covers medical expenses.
Break-in: Thieves steal therapy devices and cash from your New Orleans clinic. Property coverage pays for replacement.
A BOP is just the foundation. Chiropractors may also need:
Professional liability (for treatment-related claims)
Workers’ compensation (for employee injuries)
Cyber liability (for patient data breaches)
These layers create a full safety net for Louisiana chiropractic practices.
At Kastner Insurance, we work with chiropractic offices across Lafayette, Baton Rouge, New Orleans, Alexandria, Youngsville, and Acadiana. We understand the real-world risks small practices face — from weather events to patient claims.
Contact Kastner Insurance today to see how a Business Owners Policy can protect your chiropractic office from multiple angles.
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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