General liability covers common risks for small businesses in Louisiana, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects small professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects Louisiana small businesses against data breaches and cyberattacks that affect your business or a client.
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Louisiana small business.
Workers’ compensation insurance is required for all Louisiana small businesses with full-time or part-time employees. It can cover medical costs for work injuries.
This policy is required for vehicles owned by Louisiana small businesses. It covers injuries and property damage in an accident, along with other types of damage.
Louisiana state law requires businesses that have full-time or part-time employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Vehicles owned by small 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.
Commercial insurance can be affordable for a small Louisiana company. Factors that influence the cost include:
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.