"We've Got You Covered!"
Insurance Facts
COMMERCIAL INSURANCE 101
You have worked very hard in your pursuits to create a thriving business that supports you and your family, provides a good work environment for your employees, and produces outstanding goods and services for the community.
Whether your venture is large or small, we are here with the tools you need to run your company efficiently, and to protect your interests so you can rest easy at night.
Commercial Insurance Coverages
| Coverages | What it Protects |
| General Liability Insurance | Protects business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability |
| Commercial Property | Covers damage to or loss of insured's property and legal liability for damages caused to other people or their property. |
| Business Automobile | Protects damages that involve bodily injury to others and for damage to property of others for which you become responsible under law. You can also purchase physical damage protection for your vehicles and trailers |
| Employment Practices Liability | Liability insurance for employers that covers wrongful termination, discrimination, or sexual harassment toward the insured's employees or former employees. |
| Business Income/Business Interruption Income | Coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril (such as fire, wind, hail). Business interruption insurance also may cover financial losses that may occur if civil authories limit access to an area after a disaster. |
| Professional Liability | Covers professionals for negligence and errors or omissions that injure their clients. |
| Umbrella and Excess Liability | Provides broad limits of liability ($1 million and up) to cover your business liability exposure in excess of your primary policy limits. |
| Workers' Compensation | Pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. State laws govern the amount of benefits paid and other compensation provisions. |
The information contained on this page is provided for basic understanding of insurance coverages and terminology. Please refer to your policy for specific coverages and/or exclusions.
1705 Lafayette St., Ste. D
Gretna, LA 70053
(504) 367-8555
Hours of Operation:
Monday - Friday: 9am - 5pm
