Opelousas, LA, is home to 19th-century brick walkways, Victorian houses, and Creole culture. This town is the birthplace of zydeco music, making it a sight to see.
If you own a business in the 16,323 resident city, you'll need adequate protection. An independent insurance agent can help find a policy that fits your budget. Connect with a local adviser to begin your search today.
Why Your Opelousas, LA, Commercial Property Needs Insurance
Catastrophe can occur at any moment. When you own a commercial property in Opelousas, you'll want to protect it from the elements. An independent agent can speak to you about the following property items:
- Year built and structural makeup
- Operations that occupy the property
- Market value and replacement cost
- Protective devices in place
- Total square footage
- Prior property claims
There are several exposures your commercial property and belongings need protection from. Locally, the most common property claims are:
- Flooding and water damage
- Burglary and other property crimes
- Hurricanes and tropical storms
- Severe storms and lightning damage
Flood insurance—a separate policy you may not have
Your business's property can suffer thousands of dollars in damage if it doesn't have flood insurance. Most insureds are not aware that they won't have coverage for flood damage without a separate flood policy. With flooding being the number one concern in Louisiana, this is insurance you don't want to miss. Contact an Opelousas independent agent about your business insurance.
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Does Your Opelousas, LA, Business Have the Liability Insurance It Needs?
There were $6,888,509,000 of claims paid in Louisiana in 2019 alone. To preserve the American dream you worked so hard to build, you'll need the right policy. Most business owners are without adequate coverage for a loss. If a claim occurs, you could be out thousands of dollars.
Commercial general liability (CGL) insurance
The majority of businesses fail to insure their assets properly. This can put your operation into a financial mess if a substantial claim wipes out your cash flow. A CGL policy is your first line of defense when it comes to insuring your livelihood. Make sure you're getting sufficient coverage with an independent agent in town.
Does your business need cyber liability insurance?
There were over 164,000,000 identity records exposed in the U.S. in 2019. If your business does not have a cyber liability insurance policy, you'll be on the hook for damages. Connect with an Opelousas independent agent to make sure your business data is protected.
What is business interruption insurance good for?
Business interruption insurance will pay for your expenses when a claim shuts your doors. Coverage can be for a period of 12 to 24 months. If you're without this coverage, speak with one of the 421 independent agents in Louisiana to review.
Employee benefits coverage
There are 902,758 people in Louisiana employed by small businesses, and a good share of them are in Opelousas. If you want to stay competitive in the marketplace, you should consider offering employee benefits. This will help your employees pay for health, life, and disability insurance. Discuss creative packages your company can start offering with an independent agent.
Is Worker's Compensation Coverage in Opelousas, LA, Necessary?
Worker's compensation insurance is mandatory in Opelousas, LA, even if you only have one employee. But coverage can be tricky to navigate. The best way to determine if you have the right policy is to consult a professional.
You don't want to be fined for accidentally not obtaining the right policy. An independent agent can make sure you're getting the insurance you need for a low price.
Why Working with an Opelousas, LA, Independent Agent Is the Right Move
Business insurance is essential when operating a company. A substantial loss could close your doors for good. You'll need a trusted adviser to help obtain a policy that's right for your business.
An independent insurance agent can help you find coverage for an affordable price. Since they work with several carriers, they have options on policies and rates. Go to trustedchoice.com to connect with a local expert today.