Zachary Business Insurance

Your Complete Guide to Zachary, LA, Business Insurance

When you need a local adviser

Zachary Louisiana business insurance

Zachary, LA, is known for its small-town living with its big-city resources. This historical place has a population of 17,538 and many charming details. 

If you are among the 447,440 small business owners in Louisiana, you'll need coverage. An independent insurance agent can help you find the right policy for a fair price. You can connect with a local adviser and begin your search today. 

Do You Have Enough Liability Coverage in Zachary, LA?

Your business insurance should be a top priority. After all, if you're without proper coverage it could halt your operations fast. There were 6,888,509,000 commercial claims paid in Louisiana in 2019 alone. Get a trusted adviser to help you sort through coverage options. In the meantime, check out some of the most common liability policies and coverages:

Cyber liability insurance

A cyber liability policy will cover your business when a lawsuit arises out of a cyberattack. If your clients' or employees' sensitive information gets stolen on your watch, you're responsible for the cleanup. Contact an independent agent to get quotes.

Commercial general liability (CGL) insurance

CGL insurance is your business's primary policy, from which all the other coverages stem. With $5,316,056 paid in business losses in Louisiana, you'll want to have adequate limits. A CGL policy can help protect against a variety of lawsuits that your company may come up against. Speak with a local independent agent on liability coverage. 

Business interruption insurance

Business interruption insurance pays for your regular expenses when a covered loss closes your doors. Coverage usually lasts anywhere from 12 to 24 months. This can easily be added to your CGL policy. Speak with a Zachary independent insurance agent to discuss all your business insurance needs. 

Key Employee Coverages Your Business Could Be Missing in Zachary, LA

If you're trying to DIY your worker's compensation insurance, you may be missing mandated coverages. In Zachary, LA, you must carry worker's compensation with as little as one employee. An independent agent can help you find a policy that meets the state guidelines and protects your business. 

Employee benefits coverage

There were 902,758 people in Louisiana employed by small businesses in 2019. To stay ahead of the curve, you'll need to add value. An employee benefits package can help pay for health insurance and more for your staff. Speak with an independent agent about creating package options.

Your employees help your business run. To show them you care, help protect their expenses and potential claims. An independent agent in Zachary can review your worker's compensation and employee benefits coverage to get started. 

Your Zachary, LA, Commercial Property Coverage—Is It Enough?

Were you aware that many commercial property policies on the market make you pay for the first 20% of a loss? Some don't have as broad of coverage as you think. Don't wait until you have a catastrophe. Review your commercial property insurance with an independent agent. Take a look at the most common property claims in Zachary, LA:

  1. Flooding and water damage
  2. Burglary and other property crimes
  3. Hurricanes and tropical storms
  4. Severe storms and lightning damage
  5. Tornadoes

Flood insurance—a separate policy you may not have

Contrary to popular belief, flood damage is not covered under your commercial property insurance. This is a separate policy that you'll need a professional to quote. Since flood insurance is state regulated, an independent agent in Zachary can help. 

Why You Need a Zachary, LA, Independent Insurance Agent

An independent insurance agent in Zachary, LA, can find your business the best coverage for an affordable price. Since they have access to several carriers, you'll have options.

An independent agent works on your behalf at no cost to your company. If you want to save time and money, connect with a local adviser on trustedchoice.com. They have a network of 421 Louisiana independent agents to help. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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