When Dr. Foster’s X-ray machine failed in his Lafayette chiropractic clinic, he thought his property insurance would cover the cost. But he was shocked to learn that while fire or water damage was covered, sudden equipment failure was not. The replacement cost was tens of thousands of dollars — and without equipment breakdown coverage, it fell entirely on his practice.
For chiropractors across Louisiana, specialized equipment is the backbone of their practice. When it fails, the office may have to close temporarily, losing both income and patient trust. That’s why equipment breakdown insurance is critical.
Commercial property insurance typically covers damage from external events like storms, fires, or theft. But it doesn’t cover internal failures such as:
Electrical surges
Mechanical breakdowns
Operator errors leading to system failure
That’s where equipment breakdown coverage comes in.
For chiropractic offices, coverage can extend to:
Adjustment tables and therapy devices
Digital X-ray machines
Electrical systems affected by surges
HVAC systems critical for comfort and compliance
Policies often cover not only repair or replacement, but also:
Lost income during downtime
Extra expenses to keep operating while repairs are made
Louisiana’s climate and infrastructure increase risk:
High humidity accelerates wear on electronics.
Frequent storms cause electrical surges.
Aging buildings may have outdated wiring.
These conditions mean even well-maintained equipment can fail unexpectedly.
Chiropractic care depends on specialized tools. A breakdown without coverage can cripple your office financially. Pairing property insurance with equipment breakdown coverage creates a stronger safety net.
At Kastner Insurance, we help chiropractic offices in Lafayette, Baton Rouge, New Orleans, Alexandria, Youngsville, and across Acadiana secure coverage for both property and equipment. We understand the real-world risks and tailor policies to fit practices of all sizes.
Contact Kastner Insurance today to discuss equipment breakdown coverage and make sure your practice is protected from the unexpected.
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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