This policy is important for all Louisiana businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.
This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Louisiana businesses that handle credit cards and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Louisiana business.
Workers’ comp insurance is required for all Louisiana businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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.
State laws affect which business insurance policies you need. These policies are required everywhere in Louisiana, from Baton Rouge to New Orleans.
The state of Louisiana requires employers to carry workers’ compensation insurance or gain approval for self-insurance. Any employee who is full- or part-time, including seasonal staff and minors, must be covered.
Workers' comp covers medical costs for work injuries and illnesses. It also provides disability benefits to injured Louisiana workers.
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Louisiana's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Louisiana, insurance agencies, agents, 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). View our verification of license status with the department.