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Louisiana Small Business Insurance

While Louisiana may be known for its festive culture, this Southern state is home to a diverse array of promising small businesses. Tech industries, restaurants, construction companies, and other small businesses understand that there are unique challenges that must be faced on a daily basis. As a business owner, what it takes to run a business is challenging enough, but the concern of whether you have enough insurance coverage is simply not an option. With small business insurance through AmVenture Insurance Agency, Inc., you can remain focused on growing your business instead.



Insurance Options for Small Businesses in Louisiana

No matter what industry you work in, safeguarding the hard work you've put into forming and growing your small business is a primary concern. Each state has its own requirements for small business owners; in the Bayou State, all employers are required to provide workers' compensation insurance coverage for their employees. This mandate applies to both full and part-time workers. In addition to workers' compensation, many business owners in Louisiana opt to have additional coverage in place in order to help ensure that their assets remain secured if an unforeseeable event arises. Examples of additional coverage options include:

  • Businessowner's Policy
  • General Liability
  • Commercial Property Insurance
  • Cyber Liability

What Does Louisiana Workers' Compensation Insurance Cover?

You rely on your employees for multiple reasons throughout a work day, and for Louisiana businesses, workers' compensation is designed to provide an employee with financial assistance if he or she suffers an accident, illness, or injury due to a workplace incident. For example, if you're a restaurant owner and an employee has an allergic reaction to an ingredient you use in a recipe, workers' compensation can pay for medical expenses and additional treatment that's necessary for the employee's recovery.

What is a Businessowner's Policy?

There are two basic components of a businessowner's policy: commercial property insurance and general liability insurance. Because of the convenience of combining both policies into a single coverage option, many small business owners in Louisiana prefer to purchase a businessowner's policy, as opposed to purchasing both plans separately. Here are the details of what this type of insurance plan may cover:

General Liability

General liability insurance generally offers the following types of coverage:

  • Bodily injury - a person becomes injured while visiting your business premises
  • Property damage - an employee accidentally causes damage to a customer's property
  • Personal or advertising injury - a person alleges you infringed a copyright or trademark, or that you caused damage to his or her reputation in some way

Commercial Property Insurance

With commercial property insurance, if your building becomes damaged because of a fire, theft, or vandalism, you may receive compensation to repair or replace your property. Coverage often also protects any business assets that you own, such as inventory, furniture, and equipment. However, it's important to know that commercial property insurance usually doesn't cover flood damage. Since Louisiana is prone to hurricanes and other severe storms, you might want to consider investing in flood insurance.

About Cyber Liability Insurance

Cyber liability insurance can help to cover your liability for a data breach that leads to a customer's personal information being stolen or exposed. It's also designed to help a business recover from the effects of a data breach or a cyber attack by helping to pay for recovery expenses.

Where Can I Purchase Commercial Insurance?

With a variety of tailored small business insurance products that are available through AmVenture, you can have greater peace of mind. You deserve to have the tailored options that will help fortify your risk management plan, and our knowledgeable professionals are standing by to help. Call today, or fill out the brief form to receive a free quote!

About AmVenture

  • “A-” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A-” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data & news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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