Kenner Business Insurance

There are over 414,000 businesses operating in Louisiana, with over 7,700 in Kenner. This city has a diverse economy with the top industries including health care, hospitality services, and construction. If you own a business in Kenner you need a comprehensive business insurance program to protect your assets when something goes wrong. Since every business has unique risks, it’s important to understand all of your exposures and find tailored insurance policies to cover them. An independent insurance agent in Kenner can help you assess your risks, compare policies and quotes, and make an informed decision.

Liability Insurance for Small Businesses in Kenner, LA

In our highly litigious society, it’s not at all uncommon for a business to be accused of negligence. Claims that your business has caused harm to an individual or another business might be one of the most financially devastating events you encounter. Without appropriate liability coverage, one lawsuit or unexpected event can force you to close your doors. Commercial general liability insurance, or CGL, is the most basic form of business liability insurance. It can protect your business from costs related to bodily injury and property damage claims. It pays for medical expenses, legal costs, and settlements or judgments. Your CGL policy even covers costs related to personal injury claims such as libel and slander. 

To protect your business from more specific types of threats that are excluded from CGL coverage, you may need to purchase additional liability policies. Talk to your independent insurance agent about why you might need employment practices liability insurance, environmental liability insurance, or professional liability insurance to appropriately protect your assets from lawsuits. 

Cyber Liability Insurance for Kenner Businesses

Cyber liability insurance is important for any business that uses electronic information. If you are sued because of a data breach or some other cybercrime, your business could be responsible for paying legal fees, court-ordered judgments or settlements, and any other court-mandated costs. Your CGL policy may not appropriately cover these costs. Cyber liability claims are also extremely costly in terms of fines, public relations costs, and other expenses you must pay on behalf of your affected business partners and customers. 

• Number of identity theft complaints in Louisiana per year: 3,430
• Ranked 27th highest for identity theft complaints in the US
• Only 22% of U.S. businesses have a cyber/data breach response plan

While cyber liability policies continue to evolve because of the ever-changing nature of the threats, most cyber liability insurance policies protect your business assets by covering your legal defense costs, as well as any settlements and judgments that you are ordered to pay. Cyber liability insurance also helps businesses repair their reputations and damage to their brands in these situations by providing coverage for PR and other related expenses. Be sure to ask an independent agent about how cyber liability insurance can help you protect your business. 

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Property Insurance for Small Businesses in Kenner, LA

Your commercial property can be damaged in a variety of ways, from fires and floods to severe storms, break-ins, and vandalism. Kenner is no stranger to natural disasters. Hurricane Katrina destroyed much of the city. This monster storm caused an estimated $125 billion in property damage in Louisiana and along the Gulf Coast.

• Number of federally declared disasters in Louisiana since 1953: 90
• Most common reasons for declared disasters in Louisiana: Hurricanes

Whether you own your building or lease your office space, you need some type of protection for your business property. Commercial property insurance covers damage to a building and its contents (computers, office equipment, and furniture, supplies, fixtures, etc.) if it is damaged by a weather event, fire, theft, vandalism, or other covered perils. An independent insurance agent can help you determine if you need more than just a basic commercial property policy. 

Many properties in Kenner are susceptible to flooding. If your Louisiana commercial property is in an area that is prone to flooding, you likely need flood insurance designed for businesses. Flood insurance is available from the National Flood Insurance Program (NFIP), and your local insurance agent can help you purchase coverage.

Business Interruption Insurance for Kenner Businesses

What would happen if your business could not operate for an extended period because of a fire, severe storm, or some other disaster? Your commercial property insurance covers the cost of physical damage to structures, equipment, inventory, and material goods in the event of a loss. But you need business interruption insurance to reimburse you for lost revenues when your business is unable to operate after a disaster.

Business interruption coverage, or business income coverage, protects your earnings if your business is unable to operate because of damage after a fire, hail, wind, equipment breakdown, or some other covered event. If you are forced to close your doors for an extended period in order to make repairs, this coverage pays for rent, employee salaries, lost income, relocation fees, and more. An independent insurance agent can help you assess your risks and help you get the coverage you need. 

Workers’ Compensation Insurance for Kenner, LA, Businesses

The Louisiana Workers’ Compensation Act offers a legal remedy to employees who are injured on the job. It entitles injured employees to certain benefits, including medical care, wage replacement, vocational rehabilitation services, and death benefits. Kenner employers are required to purchase Louisiana workers’ compensation insurance even if they have only one employee. All full-time, part-time, seasonal, and minor employees must be covered on their first day of employment.

Some subcontractors and independent contractors may be considered employees for the purposes of workers’ compensation coverage. In addition, sole proprietors and corporate officers are included in Louisiana workers’ compensation coverage, but they may choose to exclude themselves if they own at least 10% of the business. Certain other employee classifications are excluded from the workers’ compensation requirement in Louisiana, including domestic employees, real estate agents, public officials, musicians, and more. 

An independent agent can help you determine if you are exempt from workers’ compensation coverage under Louisiana law. You can purchase Louisiana workers’ compensation insurance from any private insurance carrier or agency that is licensed to sell it in the state. Businesses can also self-insure with approval from the state.

Employee Benefits for Small Businesses in Louisiana

Employee benefits—such as group health insurance, group life insurance, short- and long-term disability insurance, and more—serve a critical purpose for your employees and can often mean the difference between a satisfied workforce and one that is unhealthy and disengaged. Many employees see their benefits as an important part of their overall compensation plan. Offering a comprehensive set of employee benefits, including group insurance plans, vacation and sick time, wellness programs, and other perks can help you attract and retain top talent, as well as encourage wellness and healthy living.

• Average amount spent per year on healthcare coverage by Louisiana businesses: $870,086
• Ranked 23rd for highest medical insurance costs in the US
• Average annual cost of health care in Louisiana: $5,584/person or $15,548/family

There are many different employee benefits options available, and not every business needs the same types of plans or programs. A local independent insurance agent can help you find suitable coverage at a competitive price. 

Why Work with an Independent Agent? 

There are many business insurance products and options available to protect your Kenner business. You probably have a lot of questions, and a local independent insurance agent can help. An independent agent can work with insurance companies that specialize in the type of work that you do. And your agent can help you assess your risks and get quotes from multiple, highly rated insurance companies. 

Find a local independent agent now to get started.