Someone trips at your business, breaks their leg and files a lawsuit. Excluding employees.
You accidentally damage a client or customer’s property.
You’re sued for improper image use in your advertising.
You need an attorney to defend your business in a lawsuit after a claim.
General liability insurance, also called commercial general liability (CGL), can help cover costs related to common risks that many Louisiana businesses face, such as:
This type of Louisiana liability insurance can help protect businesses financially in a number of different situations, such as:
Louisiana general liability insurance can also help cover situations where you need to defend yourself against an accusation of copyright infringement, libel or slander.
While state law doesn’t require commercial general liability insurance, Louisiana small business owners should check with their city clerk’s office to confirm whether any local requirements apply. Some local governments may require general liability for certain professions or businesses.
Even without state or local requirements for general liability insurance, Louisiana entrepreneurs can still benefit from having this coverage. Business owners with CGL insurance often find that it has a number of advantages, such as:
Louisiana commercial general liability insurance can help protect businesses financially when a covered incident occurs. Additionally, small business owners may find that banks and lenders require this type of Louisiana business insurance.
Some clients may request a certificate of insurance before agreeing to work with you.
Proof of Louisiana general liability insurance is sometimes written into contracts. You could risk losing out on potential jobs if you don’t have this coverage.
Depending on your industry, you may need general liability coverage in Louisiana to get a business license or permit.
For example, general liability insurance for contractors in Louisiana is required. Commercial, home improvement and residential contractors must provide proof of general liability coverage of at least $100,000 to obtain a Louisiana contractor’s license.
See our guide to Louisiana general contractor license and insurance requirements for more details.
General liability insurance can help cover common risks in almost every industry.
Even if you run a Louisiana business with a lower level of risk, general liability insurance could help provide important protections. Property damage and accidental injuries can occur in most types of workplaces.
For example, if a bakery employee accidentally breaks a glass door while delivering a wedding cake to a venue, general liability insurance may be able to help pay for a replacement.
Many factors can influence a small business’s general liability insurance cost. Louisiana CGL insurance premiums vary based on:
Louisiana small business owners can get affordable general liability insurance from NEXT online in about 10 minutes. Half of our U.S. customers pay $45 or less per month for this type of coverage.**
Learn more about general liability insurance costs.
NEXT provides Louisiana general liability insurance policies designed for small businesses and self-employed workers.
It only takes about 10 minutes to get a quote, review your coverage options, choose your policies and download a certificate of insurance.
Start an instant quote online today.
Our team of licensed insurance advisors is standing by to assist you if you have any questions along the way.
Commercial auto insurance can help cover costs such as medical bills, property damage and rental reimbursement if you or one of your employees gets into an accident while driving a work vehicle.
All vehicles in Louisiana are required to have a commercial auto insurance policy with minimum coverage of $15,000 per person, $30,000 per accident, and $25,000 for property damage.1
Commercial property insurance can help protect a business’s physical assets, including inventory, equipment, furniture and brick-and-mortar buildings. If a covered event occurs, like a fire or a burst water pipe, this insurance could help cover the costs to repair or replace important assets.
If you plan to get general liability and commercial property coverage, consider a business owner’s policy (BOP) which combines both types of insurance and may feature savings on monthly premiums.
Professional liability insurance can help provide financial protection if a customer or client claims you made a professional mistake that cost them money. Also called errors and omissions, this insurance is commonly bundled with general liability insurance for small businesses.
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.