business insurance

OUR PREFERRED BUSINESS OWNERS POLICY PROGRAM

This is our business owners policy program for select business owners that need the complete protection for their business in Louisiana

Most policies don’t include all of the coverage listed below 

Most business owners either don’t have the coverage they need or they have to purchase multiple policies at a higher cost

Our package policy can include all the coverage needed and we can offer Workers Compensation as well

 

Loss of Business Income up to 24 months

Equipment Breakdown

This pays for direct physical damage to covered property that is a direct result of an accident or electronic circuitry impairment including electrical arcing, explosion, or damage to a steam boiler.  A 50,000 limit applies to data restoration, expediting expenses, hazardous substances and off premises equipment breakdown

Debris Removal up to 100,000

Liability limits up to 2,000,000/4,000,000

Excess liability up to 10,000,000 starting at $450 for each 1,000,000 of coverage

Damage to premises rented to you up to 1,000,000

Employee Benefits Liability Coverage

includes administrative errors and omissions about employee benefits programs offered

Hired and Non Owned auto

which includes sending employees on a business errand or something as simple as sending an employee to get coffee

Employee Dishonesty up to 100,000 which covers theft of your property by an employee

Employment Practices liability 

protects you from claims of wrongful work environment claims such as discrimination, wrongful demotion or termination, failure to promote, reassignment or discipline, breach of employment contract of the insured employees

Cyber Liability protection

for expenses, fines and penalties in case of a data breach up to 100,000

 

TYPE OF BUSINESS

Restaurants

Manufacturers

Professional services

Pharmacy or Drug store

Hospitality

Medical Office

Retail

Stores

Contractors

Wholesale Distributor

Nail Salon

Barber Shop

Beauty Salon

Lessors Risk including strip mall, office buildings, apartment complex

 

Get your Rate Indication by completing our quick form