Business Insurance in Metairie, LA

Metairie, Louisiana has about 130,000 residents, and operating a small business here won't come without some risk. You'll need to obtain proper protection for your exposures to be covered. 

Fortunately, a Metairie, Louisiana independent insurance agent can do the shopping for free, saving you time and premium dollars. They'll compare coverage with top carriers so that you're getting the best policies. Consult with a local agent to get started today.

How Much Does Business Insurance Cost in Metairie, Louisiana?

The price for small business insurance will depend on your unique risk exposures. In Metairie, Louisiana, you'll need to obtain custom quotes for exact rates on coverage. Below are some of the factors insurance companies use when determining your business protection costs:

• Number of employees
• Company vehicles used 
• Gross annual sales
• Property and inventory values
• Location of business
• Years of experience
• Industry type
• Employee payroll

Is Business Insurance Required in Metairie, Louisiana?

Each state will be a bit different concerning commercial insurance coverage. In Metairie, Louisiana, you'll be required to carry the two policies below when they apply to your daily operations:

• Workers' compensation insurance: This policy is required by law when your operation employs one or more employees.
• Commercial auto insurance: This policy is required by law when you have company-owned vehicles. The state minimum liability limits or greater apply.

What Does Business Insurance Cover in Metairie, Louisiana?

Coverage for your Metairie, Louisiana business will depend on your individual risk exposures. Each business will have primary policies that remain the same for every company, but the limits within those primary policies will be customized to each entity. Take a look at the most used primary policies below:

• Business equipment breakdown: Pays for replacing or repairing company-owned equipment that breaks down due to a covered loss.
• Commercial umbrella liability: Pays for a bodily injury and property damage loss of others after it exhausts your underlying limits.
• Business property: Pays for the replacement or repair of company-owned property and belongings. 
• Business interruption: Pays for regular business expenses while your company has to shut down due to a covered loss.
• Business auto: This policy pays for claims that may occur to or as a result of driving a company-owned vehicle.
• General liability: Pays for a claim of bodily injury and property damage loss of others.
• Business inventory: Pays for the replacement or repair of company-owned inventory merchandise.
• Workers' compensation: Pays for medical expenses and lost wages of an employee who gets injured or becomes ill employee as a result of their job duties.
• Cyber liability: Pays for legal fees associated with a cyberattack where sensitive company data has been breached.

What Does Small Business Liability Insurance Cover in Metairie, Louisiana?

In Louisiana, there are almost 450,000 small businesses currently in operation. Each business will usually start with a liability policy as one of their primary coverages. Liability insurance comes in many different forms and will cover several types of losses. Below are some of the most commonly covered claims under liability insurance:

• Coverage for a claim for bodily injury or property damage
• Coverage for legal fees due to a cyberattack when sensitive data is compromised
• Coverage for a slip and fall on-site or as a result of doing business
• Coverage for a liability claim involving your commercial vehicles

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Are There Any Small Business Health Insurance Plans in Metairie, Louisiana?

If you're looking to add value to your operation, then providing employee benefits through a business health insurance plan can make a big impact. While you don't have to purchase company health coverage unless you employ a staff of 50 or more, you may want to. If that's the case, you can usually obtain health insurance quotes through the independent insurance agent that you use for your other business policies.

What Are the Best Small Business Insurance Companies in Metairie, Louisiana?

In Metairie, Louisiana, you'll be met with several insurance company options. Some of the best options for small business owners are as follows:

Best Small Business Insurance Companies in Metairie, LA	Star Rating
Nationwide
Hanover
Travelers
Progressive

These carriers receive high marks because of their exceptional claims service and broad coverage offerings. To get quotes from these carriers and others like them, consult with your local agent. 

Why Work with an Independent Insurance Agent in Louisiana?

When shopping for small business insurance, there are several coverages and carrier options. With the different policies out there, it may be challenging to choose which coverage is right for your operation. Fortunately, you can get custom advice on insurance for free.

A Metairie, Louisiana independent insurance agent will compare and quote your business protection for no additional cost. They'll present the best options to best suit your needs and budget, making it super-easy. Connect with an independent agent adviser to get started in minutes.