Why Chiropractic Offices in Louisiana Need Professional Liability Insurance

Why Risk Still Exists in a Low-Risk Practice

It’s easy to think that because chiropractic offices don’t perform surgeries or prescribe medications, the chances of a lawsuit are low. In reality, patient care always comes with a degree of risk—especially when treatments involve the spine, joints, or muscles.

Common scenarios that can lead to claims include:

• A patient experiences unexpected soreness or prolonged pain after an adjustment.

• Allegations of improper technique or misdiagnosis.

• Claims of worsening an existing injury.

• Miscommunication about what the treatment would or wouldn’t achieve.

Even if a claim has no merit, the cost of defending yourself can be high.

What Professional Liability Covers for Chiropractors

Professional liability insurance, sometimes called malpractice insurance, can help cover:

• Legal defense costs — including attorney fees and court costs.

• Settlement or judgment costs — if you’re found liable.

• Licensing board defense — if a complaint is filed against your license.

• Privacy breaches — related to patient health information.

Why This Matters in Louisiana

Louisiana’s legal climate can make defending a claim more expensive than in other states. Additionally, if your practice is in cities like Lafayette, Baton Rouge, or New Orleans, your patient base is large and diverse—which means more interactions and more chances for misunderstandings.

Having the right coverage in place helps you focus on patient care without worrying about the “what ifs.”

Adding an Extra Layer of Protection

In addition to professional liability, chiropractic offices may benefit from:

• General liability insurance — for accidents in the office, like slip-and-falls.

• Commercial property insurance — to protect your building and equipment.

• Cyber liability insurance — if you keep digital patient records.

Protect Your Reputation and Your Practice

Your patients come to you to feel better—don’t let a claim put your practice’s future at risk. Kastner Insurance helps chiropractic offices across Lafayette, Baton Rouge, New Orleans, and surrounding Louisiana communities find policies that cover real-world risks.

If you own a chiropractic office and want to make sure you’re fully protected, we can help you review your current coverage and fill any gaps.

About Kastner Insurance Group