Whether you want a unique culture or famous cuisine, Thibodaux, LA, has it. This town, with its diverse heritage, has a lot to offer. And when you own one of the 447,440 small businesses in Louisiana, you'll want protection.
A relatively small town with 14,713 residents like Thibodaux will still have exposures. An independent insurance agent can help you find coverage for a low cost. You can connect with an adviser in minutes to begin your search for the right policy.
Is Your Business Covered from Risk Exposures in Thibodaux, LA?
There were $6,888,509,000 in claims paid in Louisiana during 2019. That's a lot of money. To avoid paying out of pocket, you'll want a policy that responds to your business's risk exposures. An independent insurance agent can help you address some of the following coverages:
Business interruption insurance
Business interruption insurance will pay for your expenses when a claim causes you to shut down. This can save your company from permanently having to close its doors. Fortunately, this coverage can be easily added to your general liability policy. Contact an independent agent to discuss your business insurance.
General liability (GL) insurance
When a lawsuit occurs against your business, GL insurance will apply. If your limits of coverage are not sufficient, then you may be on the hook financially. An independent agent can help you cover all your assets.
Cyber liability insurance—do you really need it?
If your company uses email, you need cyber liability insurance. This coverage will protect against claims that arise when your data is compromised. If you keep employee and client information, you are liable when it's stolen. To protect your business, get quotes from an independent agent.
Employee benefits coverage
There are 902,758 people in Louisiana employed by small businesses. If you want to stay competitive in today's market, employee benefits need to be excellent. They can help pay for your staff's number one expense: health insurance. To get the best coverage for all of your business policies, connect with a Thibodaux independent agent.
Do You Need Worker's Compensation Insurance in Thibodaux, LA?
Worker's compensation insurance is good to have no matter where you live. In Thibodaux, LA, it's mandatory, even if you have just one employee. To ensure you're meeting the state requirements, have a professional quote your coverage.
Independent agents know their way around state websites and the laws that are in force. Insurance can be a tricky thing if you're not an adviser. Discuss worker's compensation with a local independent agent to get coverage.
Do You Have Enough Property Insurance in Thibodaux, LA?
Did you know many commercial property policies only cover your structure up to 80%? That means you're responsible for the first 20% of a loss. When a catastrophe or natural disaster strikes, you'll need the right commercial property insurance. Consult with an independent agent to avoid paying out of pocket. Take a look at the most common property claims in Thibodaux, LA:
- Flooding and water damage
- Burglary and other property crimes
- Hurricanes and tropical storms
- Severe storms and lightning damage
Most property owners are not aware that they won't have coverage for flood damage. To be insured, you'll need a separate flood insurance policy. Your commercial property can suffer thousands of dollars in damage from a water loss. Contact a Thibodaux independent agent to get FEMA-approved quotes.
Why Your Business Needs an Independent Agent in Thibodaux, LA
If you're tired of searching for business coverage on your own, connect with an independent insurance agent. They have access to several carriers, giving you options on policy and price. An agent works on your behalf at no cost to you.
When you want more money in your pocket, an independent agent can help cut costs. Get connected with one of Louisiana's 421 local advisers on trustedchoice.com in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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