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Insurance cover for small businesses in Louisiana
Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Business Interruption Insurance protects your small business if impacted by a covered risk. It'll cover the costs in replacing lost income and paying for additional expenditures. Also known as Business Interruption Coverage, this policy is usually part of your BOP (Business Owners Policy).
Frequently Asked Questions
Do I need insurance for my business in Louisiana?
Regardless of the size of your business, honest mistakes and challenging circumstances may greatly impact your finances, and this is where insurance beomes extremely helpful.
What will happen if I don’t buy an insurance for my business in Louisiana?
Without insurance, you are at risk from spending huge amounts on medical expenses, legal charges, disaster damages and other unplanned expenditures due to accidents or negligence claims.
How much Liability Insurance should I carry in Louisiana?
Business needs differ, so there is no right or wrong amount. Guarding your finances should a claim occur is indeed essential, but a standard $500,000 to $1 million coverage is average.
What do I need in order to get an insurance quote in Louisiana?
Most insurance companies will ask you to prepare completed application forms, applicable business licenses and claims history before they can provide an accurate quote.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: