In Baton Rouge, Dr. Martin thought a small electrical fire would be a short inconvenience. But smoke damage forced his chiropractic office to close for six weeks. During that time, rent, payroll, and utility bills kept arriving—while patient visits and revenue dropped to zero. Without business interruption insurance, Dr. Martin relied on personal savings to stay afloat.
For chiropractors across Louisiana, this situation is all too possible. Hurricanes, flooding, and fires can shut down clinics overnight. Business interruption coverage bridges the gap by covering lost income and necessary expenses while your practice recovers.
Business interruption policies are designed to help when your office is forced to close due to a covered peril like fire, storm damage, or water intrusion. Coverage often includes:
Lost income – Based on historical earnings during the closure period.
Payroll – So employees continue to be paid even when patients aren’t coming in.
Rent and utilities – Helps cover fixed expenses that don’t pause during closures.
Temporary relocation costs – If you need to rent another office space while repairs are made.
Louisiana chiropractors face unique challenges compared to other states.
Hurricanes and tropical storms – Offices in Lafayette, New Orleans, and Lake Charles often deal with storm-related closures.
Flooding – Even a short rain event can shut down clinics with water damage.
Power outages – Extended outages disrupt daily operations, leaving patients without care.
Each of these risks makes business interruption coverage not just useful but necessary.
Many small chiropractic practices assume they can weather a few days of closure. But when closures stretch into weeks, costs pile up:
Rent and loan payments continue
Staff may leave without consistent pay
Patients may switch to competitors still open
Equipment repairs and cleanup bills mount
Without insurance, the financial strain can threaten the long-term survival of the practice.
When reviewing your policy, chiropractors should ask:
Do I have business interruption insurance included in my package?
How long will benefits last if my office is shut down?
Does the policy cover extended outages after hurricanes or floods?
Do I need extra coverage for equipment or relocation?
Not every chiropractic practice faces the same risks. A clinic in Alexandria may have different concerns than one in New Orleans. That’s why working with a Louisiana-based independent agency matters. You get coverage tailored to your location and the unique risks you face.
Business interruption insurance may not sound urgent—until your office is forced to close. Then it becomes the difference between reopening smoothly and shutting down for good.
Kastner Insurance partners with chiropractic offices across Baton Rouge, Lafayette, Alexandria, and New Orleans to provide custom coverage. We understand the risks Louisiana practices face and build policies to keep your business running even when the unexpected happens.
Contact Kastner Insurance today for a business insurance review and make sure your practice is prepared for tomorrow’s storms.
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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