Louisiana General Liability Insurance

Get Your Quote

Or call for your free quote:

Get the best small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

Louisiana General Liability Insurance Policy Information

LA General Liability Insurance

Louisiana General Liability Insurance. LA general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Louisiana general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in LA.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Louisiana general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your LA business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Louisiana general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With LA general liability insurance, such issues are adequately handled.
  • General liability insurance for contractors, cheapest general liability insurance small business, cheap general liability insurance for contractors, commercial general liability insurance definition, general liability insurance cost for contractors, Louisiana business insurance requirements, comprehensive general liability insurance and short term general liability insurance.

LA General Liability Insurance Cost

The cost of your Louisiana general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

LA General Liability Insurance By Industry

Small Business

Protect your company and employees with LA commercial insurance. Read informative articles on Louisiana small business insurance coverages - and how they can help shield your company from legal liabilities.

Construction Contractors

Learn about Louisiana construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your LA construction business from lawsuits.

Contractors and Home Improvement

Learn about Louisiana contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your LA business from lawsuits.

Commercial Property

Read up on Louisiana commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Professional Services

Get informed about Louisiana professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Advertising, Marketing and Media

Learn about Louisiana media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Real Estate

Learn about Louisiana real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable Louisiana retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Auto Service and Repair

Read about Washington auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

Health and Beauty

Learn about Louisiana health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Louisiana IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Food and Drink

Learn about Louisiana restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Medical and Dental

Discover Louisiana business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Manufacturing and Wholesale

Read informative articles on Louisiana manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.

Education, Colleges, Universities & Schools

Learn about Louisiana commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Sports and Fitness

Learn about Louisiana sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Children and Pets

Discover what Louisiana commercial insurance policies cover for children and pet related businesses.

Miscellaneous

Find informative articles on miscellaneous LA businesses including the types of commercial insurance they need, costs and other considerations.

Non-Profit

Find useful articles on business insurance for Louisiana non-profit 501(c)(3) organizations, charities and associations.

Arts and Recreation

Read up on Louisiana arts and recreation commercial insurance.

Agribusiness

Learn about LA agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Commercial Auto

Learn about Louisiana commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Louisiana General Liability Insurance Information

LA Commercial Insurance Articles

Read informative articles on Louisiana commercial insurance including costs and coverages.



Louisiana Economic Data, Regulations And Limits On Commercial Insurance

Made In Louisiana

If you are a business-minded individual who is either thinking about starting a new business or who wants to expand an existing business by opening a division in a new state, it's important to choose a location that offers favorable conditions.

In business, it doesn't matter how high-quality the products and services you offer are, if the products and services don't appeal to the market, you likely aren't going to succeed. With that said, if you are interested in starting a business in the state of Louisiana, having a basic understanding of the economic trends is important.

It's also a good idea to know what type of insurance you'll need to carry, as certain commercial policies are compulsory in the state.

Below, we provide an overview of economic trends of the Creole State to determine if it's the right location for your operation.

Economic Trends For Business Owners In Louisiana

Unemployment rate is a good indicator of a state's economy. The lower the unemployment rate, the more advantageous the environment will be for prospective business owners. Unfortunately, the unemployment rate of Louisiana is higher than the national average; as of December, 2019, the rate was 4.9%, which was 1.5% higher than the national average of 3.5% at the same time.

Additionally, the unemployment rate has increased; it was 4.3% in July of 2019, 4.5% in October, and 4.7% in November of the same year. However, despite this, the unemployment rate has decreased in recent years, which does show promise for entrepreneurs who are thinking about starting a business in the state.

The best spots to start a business in LA are large cities and the suburban areas that surround them. The following cities have seen the most significant industrial growth:

  • Baton Rouge
  • Lafayette
  • Lake Charles
  • New Orleans
  • Shreveport

Businesses in various industries do well in the state of Louisiana; however, there are specific sectors that are seeing substantial growth. Those industries include:

  • Advanced manufacturing
  • Aerospace
  • Agribusiness
  • Automotive
  • Commercial fishing
  • Crude oil
  • Energy
  • Entertainment
  • Natural gas production
  • Software development
  • Water management
Commercial Insurance Requirements In Louisiana

The Louisiana Department of Insurance regulates insurance in LA. Louisiana mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Louisiana requires you to have worker's compensation insurance if you hire even one employee on a regular basis or must be approved for self-insurance. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Louisiana also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Louisiana General Liability Insurance quote in Abbeville, Alexandria, Baker, Bastrop, Baton Rouge, Bayou Blue, Bayou Cane, Belle Chasse, Bogalusa, Bossier City, Breaux Bridge, Bridge City, Broussard, Carencro, Central, Chackbay, Chalmette, Claiborne, Covington, Crowley, DeRidder, Denham Springs, Destrehan, Donaldsonville, Eden Isle, Estelle, Eunice, Fort Polk South, Franklin, Galliano, Gardere, Gonzales, Gray, Gretna, Hammond, Harahan, Harvey, Houma, Inniswold, Jefferson, Jennings, Kenner, Lacombe, Lafayette, Lake Charles, Laplace, Larose, Leesville, Luling, Mandeville, Marrero, Meraux, Merrydale, Metairie, Minden, Monroe, Morgan City, Moss Bluff, Natchitoches, New Iberia, New Orleans, Oak Hills Place, Oakdale, Old Jefferson, Opelousas, Patterson, Pineville, Plaquemine, Ponchatoula, Prairieville, Prien, Raceland, Rayne, Red Chute, Reserve, River Ridge, Ruston, Schriever, Scott, Shenandoah, Shreveport, Slidell, St. Gabriel, St. Martinville, St. Rose, Sulphur, Tallulah, Terrytown, Thibodaux, Timberlane, Village St. George, Ville Platte, Violet, Waggaman, Walker, West Monroe, Westwego, Woodmere, Youngsville, Zachary and all other cities near me in LA - The Pelican State.

Also learn about Louisana small business insurance requirements for general liability, business property, commercial auto & workers compensation including LA business insurance costs. Call us (855) 767-7828.

Free Business Insurance Quote Click Here