Dr. Williams thought her Baton Rouge chiropractic clinic had liability fully covered. Her main concern was patient slip-and-fall claims or treatment disputes. But when a delivery driver tripped on the cracked sidewalk leading to her office, she faced a liability claim she hadn’t expected.
This is why chiropractic offices need to think beyond patient injuries when it comes to liability.
General liability policies extend protection for a range of third-party incidents, including:
Visitors slipping on wet floors in your lobby
Delivery drivers injured on your premises
Vendors whose property is damaged in your office
These claims aren’t tied to patient care but can be just as costly.
Many chiropractors carry professional liability to protect against claims related to treatment. But this coverage doesn’t apply when a contractor, landlord, or delivery worker is injured on-site. Without general liability, practices face gaps in protection.
In Louisiana, where older buildings and heavy foot traffic are common, chiropractic offices face added exposure. From Baton Rouge to New Orleans, cracked sidewalks, storm-damaged parking lots, or uneven floors can create hazards for anyone entering your clinic.
A strong policy suite for chiropractic offices should include:
Professional liability for treatment claims
General liability for third-party non-patient claims
Property insurance for equipment and furnishings
Workers’ compensation for employee injuries
Together, these create a comprehensive safety net.
At Kastner Insurance, we help chiropractic offices across Lafayette, Baton Rouge, New Orleans, Alexandria, and Youngsville understand where their risks really lie. It’s not just about patient care — it’s about anyone who walks through your doors.
Contact Kastner Insurance today to review your general liability coverage and close the gaps that could put your practice at risk.
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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