Dr. Miguel ran a small chiropractic office in Lafayette with just two assistants. He always thought workers’ compensation insurance was something larger clinics needed — not a tight-knit team like his. Then one morning, while setting up the treatment room, one of his assistants slipped on a freshly mopped floor and injured her back. She needed weeks of recovery, follow-up care, and physical therapy. Suddenly, Dr. Miguel found himself staring at medical bills, lost wages for his assistant, and the potential for legal action — all without a policy to cover it.
What started as a minor accident became a financial headache he never expected.
It’s easy for small practices to assume that workplace injuries are rare or that they’re “too small” to be affected. But chiropractic offices have unique risks that can lead to employee injuries:
Lifting and adjusting heavy treatment tables
Assisting patients in and out of chairs or on and off tables
Slips, trips, and falls in treatment rooms or reception areas
Repetitive strain from handling equipment or administrative work
Even in a well-run practice, all it takes is one accident to disrupt operations and trigger expenses that come directly out of your pocket.
Workers’ compensation insurance provides critical benefits if an employee gets hurt or becomes ill because of their job. This includes:
Medical expenses for treatment and rehabilitation
Partial wage replacement while the employee recovers
Legal protection if an employee decides to sue over the injury
For chiropractic offices, this protection means you can take care of your team without putting your business at financial risk.
Louisiana has specific workers’ compensation laws that apply even to smaller businesses. In many cases, if you employ just one person — even part-time — you may be required to carry this coverage. Failing to do so can result in fines and leave you personally responsible for any injury costs.
The state also has a strong focus on protecting workers, which means claims can be costly to defend, even if you believe you weren’t at fault.
Workers’ compensation isn’t just about compliance — it’s about protecting the people who help you help others. When paired with other coverages like general liability and professional liability, it creates a safety net that keeps your practice running smoothly, even when the unexpected happens.
Kastner Insurance works with chiropractic offices in Lafayette, Baton Rouge, New Orleans, Alexandria, Youngsville, and across Acadiana to build coverage that fits your unique risks. We help you protect your employees, your reputation, and your livelihood — so one accident doesn’t derail the practice you’ve worked hard to build.
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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