Business Insurance in Louisiana

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Get small business insurance for your Louisiana business

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Learn about Louisiana's insurance requirements

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Recommended insurance policies for small businesses in Louisiana

General liability insurance icon

General liability insurance

This policy is important for all Louisiana businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional 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.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Louisiana businesses that handle credit cards and other sensitive data.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

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.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

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.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Louisiana business insurance requirements

State laws affect which business insurance policies you need. These policies are required everywhere in Louisiana, from Baton Rouge to New Orleans.

Blue check mark

Workers' compensation insurance

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.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Louisiana must be covered by commercial auto insurance. This policy costs the cost of work vehicle accidents.

Louisiana's minimum requirements for auto liability insurance are:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability

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).

How much does small business insurance cost?

Business woman calculating costs of insurance.

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

  • Type of business and its location
  • Business operations
  • The number of employees
  • Types of insurance coverage
  • Policy limits and other options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

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.

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