General Liability Insurance for Louisiana Businesses
Everyday Protection for Every Business
General Liability (GL) insurance protects your business if you're held responsible for causing injury or property damage to someone else. From a slip-and-fall in your shop to damage at a client's site or an advertising claim, this policy is your legal and financial safety net. In Louisiana-where claims and lawsuits are common-GL coverage is a must for every operation.
Key Coverages Included
What's not covered: Employee injuries (needs workers comp), professional errors (needs E&O), or auto accidents (needs commercial auto).
Bodily Injury
Pays medical bills and legal fees if someone is injured and blames your business (e.g., slip-and-fall in your shop).
Property Damage
Covers the cost to repair or replace someone else's property your business damages.
Personal & Advertising Injury
Protection for libel, slander, or copyright claims arising from your marketing.
Legal Defense
Pays to defend your business-even against frivolous or groundless claims.
Products & Completed Operations
Covers claims from products you sell or work you finish (especially important for contractors).
Damage to Rented Premises
Typically covers fire damage to spaces you lease (often $100k limit, higher available).
Required by Leases, Contracts, and Common Sense
No matter your field, one accident or claim could put your business at risk. Don't go uninsured.
Nearly all Louisiana businesses need general liability insurance:
Contractors, retailers, offices, consultants, and more
Required by most commercial leases (often $1M minimum)
Needed for contracts, events, or client work (we provide fast certificates)
Lawsuit risk-even for low-risk businesses
Designed for Louisiana's High-Risk Business Landscape
Louisiana is one of the most litigious states, with higher-than-average injury and lawsuit rates. Restaurants, retailers, and contractors here face unique slip-and-fall and liability risks. GL insurance isn't just recommended-it's essential.
Expand Your Protection
Increase Fire Legal Liability Limits (for tenants)
Add Additional Insureds (for contracts)
Extend coverage for special operations or high-risk jobs
We'll help tailor your policy so you're always covered where it matters.
General Liability Questions-Answered
What does general liability insurance cover?
Injury to others, property damage, advertising claims, and legal defense.
Is it required for my business?
Most likely-leases, contracts, and clients often require proof of GL coverage.
How much does it cost?
Small business policies can start at a few hundred dollars per year, depending on your operation and limits.
What about contractors in Louisiana?
Contractors are at high risk for injury and property claims-GL is often required for licensing and client jobs.
Can I get a certificate quickly?
Yes-we provide fast certificates for contracts, job sites, and events.
Don't Risk It-Request a Liability Quote Now
One claim can change everything. Get a no-pressure quote or coverage review from our local experts-protect your hard work and reputation.