303 S. Broad Street
New Orleans, LA 70119
There’s nothing like the challenges of a small business to keep you on your toes. In addition to marketing your business, training your workforce and building your inventory, you need to protect your Louisiana business against risks that can cause financial loss. At Bright Auto Insurance in New Orleans, LA, we can help you protect your budding enterprise with commercial insurance coverage. Here’s how a commercial policy can safeguard your business assets.
Whether you operate out of a shop, office or warehouse, property insurance will protect your building and its contents against such perils as fire, theft, vandalism and natural disasters. If a severe storm damages your building or destroys your business equipment, property coverage will help pay for damages. Flood damage, however, is not covered under a commercial policy. If you want flood protection, you’ll need to purchase a separate flood insurance policy.
General liability insurance protects you against accidents customers may have while visiting your office or shop by covering their medical costs. Liability also protects you against a lawsuit if a customer sues you for damages. Product liability protects you if someone is hurt by a faulty product you produce or sell, saving you from paying for damages out-of-pocket.
Worker’s comp insurance is mandatory for Louisiana businesses, regardless of whether your employees are part-time, full time, seasonal or minors. This coverage pays for medical bills and lost wages of employees who are injured on the job.
If your business owns vehicles that are used for visiting clients or delivering goods, you’ll need commercial auto coverage to protect them against accidents on the job. Auto liability coverage is required in Louisiana for both personal and commercial vehicles. By getting full coverage commercial auto insurance, your business vehicles will be fully protected against any eventuality on the road.
To learn more about commercial insurance protection and costs, contact Bright Auto Insurance in New Orleans, LA.