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.
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.