At Dr. Landry’s small chiropractic office in Lafayette, the team was close-knit — just two employees plus the doctor herself. Then one afternoon, her receptionist tripped over a power cord, fractured her wrist, and required weeks of treatment. The bills added up quickly, and Dr. Landry realized she didn’t have workers’ compensation coverage. The financial hit nearly shut down her practice.
This scenario is more common than many chiropractors realize. Even small offices with only a few employees face risks, and workers’ compensation is often overlooked until it’s too late.
Workers’ compensation provides benefits when employees are injured on the job. For chiropractic offices, this includes:
Medical expenses from injuries
Lost wages during recovery
Rehabilitation costs if needed
Legal protection for the employer
Some Louisiana chiropractors assume that with just one or two employees, coverage isn’t necessary. But all it takes is one slip, lifting injury, or repetitive strain case to create thousands in costs. Even non-medical staff like receptionists and billing assistants face risks in daily office duties.
State law requires most employers to carry workers’ comp, regardless of business size. Not having it can result in penalties, lawsuits, and uncovered claims.
Lifting heavy files, boxes, or equipment
Slips on wet lobby floors
Repetitive strain injuries from typing or scheduling tasks
Accidents during office setup or patient prep
From Baton Rouge to New Orleans, small chiropractic offices are vital to their communities. But Louisiana’s medical costs and litigation environment make going without workers’ comp a gamble that can end a business.
At Kastner Insurance, we work with chiropractic offices across Lafayette, Baton Rouge, New Orleans, Alexandria, and Acadiana to build coverage that fits. Workers’ compensation isn’t just about compliance — it’s about protecting both your employees and your financial stability.
Contact Kastner Insurance today to review your workers’ comp coverage and keep your practice safe from unexpected employee injuries.
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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