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Business Insurance in Louisiana

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Learn about Louisiana's insurance requirements

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What are the requirements for small business insurance in Louisiana?

State laws can affect which insurance policies you need for your small business. These policies are required for Louisiana businesses.
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Workers' compensation insurance

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.

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Commercial auto insurance

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.

Recommended insurance policies for small businesses in Louisiana

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Louisiana business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Louisiana business insurance

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.

What our customers are saying
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Food products manufacturing
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