Business Insurance in New Orleans

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business insurance new orleansThe City of New Orleans is best known for its world-class restaurants, live music and colorful Mardi Gras celebrations.1 The New Orleans area is also recognized for its pro-business climate across many industries, making it prime for business growth.2 Whether you already have a small business or are planning to start one, it’s essential to get business insurance in Louisiana.
Commercial insurance can help protect your New Orleans small business from things like property damage, legal liability and employee-related risks. If you’re wondering what small business insurance in New Orleans, LA is or what business insurance coverage you need, we’re here to help.

Types of Commercial Insurance in New Orleans

Small business insurance protects companies from common claims that can come up during normal business operations. Small business insurance policies can be fully customized to fit the unique needs of your business. Some types of business insurance coberturas you may want to consider include:

General Liability Insurance in New Orleans

General liability insurance helps cover claims that your business caused bodily injury or property damage to others. It can also help cover claims of personal injury, medical costs and reputational harm.

Seguro para propiedad comercial

Business property insurance, also known as commercial property insurance, helps protect your owned or rented building, plus the tools and equipment you use to operate. Business property insurance also covers your business’ physical assets that are kept on your business premises, such as computers and inventory.

Seguro de responsabilidad profesional

Professional liability insurance, also known as errors and omissions coverage, can protect your business if a customer claims that you were negligent in the professional services you provided. Without this liability coverage, you’ll have to pay for defense costs and settlements out of pocket.

Seguro comercial para automóviles

Commercial auto insurance can help cover the costs of an auto accident that happened while you or an employee were using a company-owned car for business purposes. This coverage may also help cover the costs of the property damage and medical expenses resulting from the accident in a covered company-owned vehicle.

Seguro de compensación para trabajadores

Workers compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. Workers’ comp can also help with covering employee’s medical expenses, rehabilitation and lost wages.

Business Owners’ Policy (BOP)

Many small businesses start with a Business Owner’s Policy (BOP), which combines three essential types of liability coverage: commercial property insurance, general liability insurance and business income insurance. A BOP helps cover your business from claims such as fire, theft, bodily injury or property damage. This type of policy is fully customizable with optional coverages that can be added on to meet the different needs of a New Orleans, LA small business.

Is Business Insurance Required in Louisiana?

State laws can affect what types of insurance you’ll need for your small business. In Louisiana, there are two types of business insurance you’re required to carry if you meet the qualifications:

Seguro de compensación para trabajadores

In the state of Louisiana, small businesses with at least one part- or full-time employee are required to have workers’ compensation insurance. The other option is to gain approval of self-insurance to help protect their employees. All employees who are either part- or full-time, including seasonal staff and minors, must be covered.

Seguro comercial para automóviles

If your New Orleans business utilizes vehicles in its day-to-day operations, you are required by state law to have el seguro comercial para automóviles. Commercial auto insurance is different compared to personal auto insurance because it is specific to a vehicle used for business reasons. Typically, with a commercial auto policy, all your business employees with a valid license would be covered under this policy as additional insureds. Also, a commercial auto insurance policy usually offers more comprehensive coverage, like higher limits and liability coverage. A personal auto insurance policy will typically have lower coverage limits.

Cost of Liability Insurance in New Orleans

Our customers paid an average of $967 annually, or $80 a month, for business insurance coverage in Louisiana. For workers’ compensation insurance, customers in Louisiana paid an average of $1,069 annually, or about $89 a month.3
However, keep in mind that seguro de negocio costs vary in New Orleans, LA because each business is unique and has different needs. Insurance companies use different factors to determine costs, such as:
  • Type of coverage
  • Claims history
  • Lugar
  • Industria
The best way to find out your business insurance cost in New Orleans is to get an online cita. You can also use your local insurance agency to get a quote.

Covered Professions

We offer small business insurance coverage to many industries. Some industries that we can help protect in New Orleans, LA include:

Get a Fast and Free Quote for Business Insurance in New Orleans

We make it easy for you to get a business insurance cita in New Orleans. With a few clicks, small businesses can get a quote for the coverage they need in just a few minutes.
We’re an insurance company backed by more than 200 years of experience. We’ve helped over 1 million small business owners get the coverage they need. Our specialists understand the unique risks that Louisiana businesses face. So, whether you have questions about business insurance or need help with a claim, we’ve got your back.

Coverage Across Louisiana

We offer business insurance in other cities across Louisiana, including business insurance in Baton Rouge.
Last Updated: November 20, 2023
1 New Orleans, “Why Choose New Orleans?”
2 Louisiana Economic Development, “Key Industries.”
3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Additional disclosure below.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.