Every employer in Louisiana is required to carry workers’ compensation insurance or must be approved for self-insurance. Any employee who is full- or part-time, including seasonal staff and minors, must be covered. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles must be covered by commercial auto insurance. Louisiana requires a minimum of $15,000 bodily injury liability per person, $30,000 bodily injury liability per accident, and $25,000 property damage liability per accident.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
This policy is important for all Louisiana businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Louisiana businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Louisiana business.
Workers’ compensation insurance is required for all Louisiana businesses that have employees. It can cover medical costs for work injuries and illnesses.
This policy is required for business-owned vehicles in Louisiana. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
In Louisiana, insurance agents, agencies, and brokers are licensed by the Louisiana Department of Insurance. Insureon is licensed in Louisiana as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 512282). Verify our licensure with the Louisiana Department of Insurance Producer / Adjuster Search.