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Technology Business Insurance in Louisiana

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Recommended insurance policies for technology businesses in Louisiana

General liability insurance

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General liability covers common risks for tech businesses in Louisiana, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at a tech company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

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This policy is also called professional liability insurance. It protects tech professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Technical errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects Louisiana technology businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

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This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Louisiana tech business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

Workers’ compensation insurance icon

Workers’ compensation insurance is required for all Louisiana tech businesses with full-time or part-time employees. It can cover medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by Louisiana technology businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for technology businesses in Louisiana?

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

Louisiana state law requires technology businesses that have full-time or part-time employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Louisiana must be covered by commercial auto insurance. Louisiana requires $25,000 property damage liability per accident, and $15,000 bodily injury liability per person and $30,000 bodily injury 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.

How much does business insurance cost for technology professionals?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Louisiana IT and technology professionals

Our agents are experts in insurance for Louisiana technology businesses. They can help you find policies that fit your company and fulfill state requirements. In Louisiana, insurance agents, agencies, and brokers are licensed by the Louisiana Department of Insurance.

TechInsurance 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.

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