Home to the famous spice-maker Zatarain's, Gretna, LA is a tasteful place to work. Just a short distance from New Orleans, this historic town has a lot of traffic. With over 17,935 residents that call Gretna home, it's a great place to put down roots.
When you own one of Louisiana's 447,440 small businesses, you'll need adequate protection. An independent insurance agent can help you get the most coverage for a low price. You can get matched with a local expert and begin your search today.
Does Your Gretna, LA Commercial Property Have Enough Insurance?
Most carriers only insure your building up to 80%, which means you could lose money. If you're not okay with paying 20% of a loss, you should review your policy with an agent. Take a look at the most common property catastrophes in Gretna, LA:
- Flooding and water damage
- Burglary and other property crimes
- Hurricanes and tropical storms
- Severe storms and lightning damage
Does your Gretna commercial property have flood insurance?
Contrary to popular belief, flood damage is excluded from your commercial property policy. This means that when you don't have flood insurance, you'll have to pay out of pocket. An independent agent can quote a FEMA-approved policy today.
If You Only Have Liability Insurance, Your Gretna, LA Business May Not Be Covered
In 2019, a whopping $6,888,509,000 in commercial claims were paid in Louisiana. When you're only using general liability insurance to get by, you could be missing coverage. If you want the right protection for exposures, speak with an independent agent. In the meantime, look at some common liability coverages to discuss with an adviser:
Is general liability insurance enough?
General liability insurance will protect your bottom line. When you have a lawsuit, this policy could apply. From bodily injury to product recalls, your general liability insurance will protect your finances. Get with an independent agent to discuss further.
It's easy to add business interruption insurance
This coverage can be added to your general liability policy for a fee. It will pay for your expenses when a loss shuts you down. In order to keep your business from permanently closing, this coverage can last up to 2 years. Speak with an independent agent for quotes.
Cyber liability insurance is necessary
When your business's database gets hacked, you'll be on the hook for any stolen information. Cyber liability coverage will pay for a claim when you get sued for not being more careful. Connect with an independent agent in Gretna to discuss all your commercial insurance needs.
How to Protect Your Gretna, LA Employees and Your Business
Worker's compensation insurance can be daunting to obtain if you're not an expert. Fortunately, an independent agent can help. In Gretna, LA, worker's compensation insurance is required when you have just one employee.
This coverage will pay for work-related injuries and occupational illnesses. It can cover lost wages, which could help your bottom line. Get with a local agent to review.
Help keep your staff with employee benefits coverage
Employee benefits plans can help pay for your employees' health insurance and other coverages. In Louisiana, there are over 902,758 people employed by small businesses. Competition may be fierce, so your offerings need to be on point. Discuss creative packages with an independent agent to get started.
When your team is valued, they work harder, which is good for business. If you have adequate protection for your staff, it can only help them and you. Contact a Gretna independent agent for more information.
How to Work with a Gretna, LA Independent Insurance Agent
Independent insurance agents can be easy to work with if you know where to look. A trusted adviser can go a long way in finding coverage for an affordable price. Since they have access to several carriers, they can save you money and time.
When you're serious about spending less and getting more, contact an independent agent. TrustedChoice has a network of 421 local experts in Louisiana that can help in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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