Insurance Insights

Wondering why your insurance premium went up in Louisiana? Learn the top reasons rates are rising—and how you can lower your homeowners or car insurance today.

Wondering if you need boat insurance in Louisiana? Learn what’s required, what coverage options exist, and how to protect your boat from accidents, storms, and liability risks.

Learn how wind and hail insurance protects Louisiana homeowners from storm damage. Discover coverage options, deductibles, and how to save with mitigation discounts.

Protect your Louisiana farm with the right insurance coverage. Learn about farm property, equipment, crop, and liability insurance to safeguard your livelihood from risks like storms, floods, and accidents.

Discover unclaimed life insurance benefits with the NAIC Life Insurance Policy Locator. This free tool helps beneficiaries find lost policies across all 50 states, assisting over 460,000 people in claiming over $10 billion in benefits.

This guide outlines the essential insurance policies for plumbers in Louisiana, covering general liability, professional liability, workers' compensation, and commercial auto insurance. We discuss the importance of adequate coverage and how to find the right insurance provider.

Insurance and surety bonds may sound similar, but are very different in how they work and what they cover. In this post, we’ll discuss the differences and how insurance and surety bonds work.

How do you navigate the commercial insurance renewal process? What should you keep in mind? In this blog, we give you a checklist of the items you should keep in mind when renewing your insurance policies.

In this post, we discuss the insurance needs and requirements for cleaning businesses in Louisiana. We cover the types of insurance needed, risk factors, and understanding how to tailor your coverage.

In this post, we explain what can make your Louisiana home uninsurable. We discuss factors, such as location, property conditions, and the homeowner's claims history.

In this post, we explain cyber liability insurance for businesses. We cover what it is, why it’s important, what it covers, and how to choose a policy.

In this post, we explain the top insurance terms used. We cover general terms used along with those used specifically for business, homeowners, and auto insurance.

In this guide, we discuss the insurance needs of photographers and videographers in Louisiana. We cover property insurance, general liability insurance, and additional specialized policies.

Safeguard your HVAC business with this comprehensive insurance strategy. This guide details essential coverages, explores specialized options, and offers tips for tailoring your plan.

This post explores essential business insurance options in Louisiana, including Workers' Comp, General Liability, and BOPs. Learn how to tailor coverage for your industry's needs.

Safeguard your nonprofit's mission with the right insurance! This guide explores essential insurance coverages every non-profit needs, from general liability to D&O. Learn how to choose the right insurance and ensure your 501(c)(3) thrives.

Are you with the right insurance company? In this post, we look at why businesses switch insurance companies and the best way to do it.

Don't let one incident shatter your retail dreams. This guide explores the best insurance options for retail stores, from property and liability to employee and data protection.

Louisiana has some of the highest auto insurance rates in the nation. This blog post examines the factors that contribute to high auto insurance rates in Louisiana and discusses what can be done to lower them.

Freelancers need insurance to protect themselves from financial losses in the event of an unforeseen event. Learn about the different types of insurance available to freelancers and how to choose the right coverage for your needs.

Restaurant insurance is an important investment for any restaurant in Louisiana. Learn about the different types of insurance your restaurant needs, as well as some tips for getting the best rates.

Small manufacturers need insurance to protect their business from financial ruin. Learn about the different types of insurance policies available to small manufacturers and how to get the best coverage for your needs.

The most common insurance policies that construction contractors need to have include general liability insurance, workers’ compensation insurance, and property insurance.

Should I buy the rental car damage waiver?” The short answer is, most likely yes. But read on for the reasons why.

The best ways to protect your business against lawsuits, is by working with an experienced attorney, having all agreements in writing, having insurance, keeping expenses separate, and maintaining good business practices.

Boat insurance helps cover you in the event of an accident through property coverage, liability coverage, medical payments coverage, and uninsured watercraft coverage.

Do you need Worker’s Comp for your sole proprietorship? Is flood damage covered under your homeowners’ insurance policy? Is a red car more expensive to insure? Learn the truth behind insurance’s most common myths.

An additional insured is a third party added to an insurance policy because of liability exposure due to their relationship with the insured; whereas a loss payee is a person or entity entitled to insurance payments due to damage or a loss of insured items.

In order to protect the longevity of your business and to ensure you have the correct risk exposure, your Baton Rouge based business should review insurance policies when your business changes and at set times throughout the year.

Whether you are a home-based, small, medium, or large Louisiana based business, you must manage your risk with insurance policies tailored to your company’s unique needs.

Workers’ compensation claims can affect your Louisiana based business by increasing administrative, payroll, and legal costs, along with causing damage to your business’s reputation.

Inland Marine Insurance covers a company’s high-value equipment, tools, or other materials while they are in transit on land or off a company’s property but are excluded from a typical property coverage policy.

A commercial umbrella insurance policy is a supplemental policy that sits on top of other policies helping pay for costs in excess of coverage limits or exclusions, and all Louisiana businesses should consider it.

Life insurance is not just for people with families. Single people should consider life insurance to help pay for final expenses, to pay off debts, lock in coverage premiums, and more.

If you’re starting a business in Louisiana, commercial insurance should be one of the top items on your list to get before beginning operations. Some policies to consider are Professional Liability, Cyber Liability, and a Business Owner’s Policy.

When comparing small business insurance quotes for your Louisiana business, price is not the only thing to consider. Policy terms, limits, deductibles, exclusions, payment terms, and trust in the insurance company are important to review.

When freezing conditions occur, it is important to make sure your Baton Rouge, Louisiana based business is prepared. In this guide, we discuss protecting pipes, preventing water damage, and preventing slips due to icy conditions.

A Certificate of Insurance (COI) form is a document that shows proof of insurance and includes your insurance policies, coverage limits, and policy effective dates. Find out how to use one and when it is needed.

Beyond the legal requirement, if you don’t have Workers Compensation and Employer Liability insurance to protect you, the business is responsible for all the medical bills, and lost income, and maybe even more, to an injured worker.

Ransomware is a form of malware, or malicious software, that blocks access to the user’s data or threatens to publish the data if a ransom is not met.

Commercial general liability insurance policies, for Baton Rouge businesses, are important because in the event you experience a loss, the policy will cover the cost of your legal defense and any damages you are found liable for.

Businesses face numerous risks everyday from property damage to fraud and employee injuries. It’s important to understand the most common errors made when filing insurance claims to avoid the same pitfalls.

Unlike captive agents who only represent one insurance company, independent agents are able to leverage a considerable number of carriers, allowing you to align with a choice that best fits your needs.

It’s essential that any business utilizing a “work from home” policy understands the implications and risks of a remote workforce so proper safeguards are in place to protect against any possible losses.

As a business owner or consumer, you’ve probably heard the phrase, “Licensed, bonded, and insured” a few times. What exactly does each term mean? We’ve broken it down for you.

The year 2020 has brought on significant challenges for small businesses during the global pandemic, COVID-19. With most states enacting some form of a shutdown, small businesses are struggling to stay afloat and keep up with bills and payroll obligations.

In the midst of the COVID-19 pandemic, we want you to know that we are here to help you.

Commercial property insurance is generally considered the most essential layer of protection a business needs.

Before your lender hands over the keys and finalizes your loan you’ll be required to show proof of homeowners insurance.

Having safety guidelines for your business is not only important for keeping your employees safe, but it’s vital for your business’s long-term success.

Commercial burglary is a threat to businesses of all sizes, and the best deterrent for burglars is to be proactive with your security.

If you own a business, it’s imperative to carry business insurance in some capacity.

Prepare confidently when a hurricane watch or warning is issued. Learn essential steps for securing your property, emergency checklist, evacuation planning, and what to do to stay safe in Louisiana storms.

Prepare your family and home for hurricane season with a step-by-step guide. Learn how to build an emergency kit, secure your property, create evacuation plans, and stay safe during Louisiana storms.

Professional Liability Insurance (Errors & Omissions) safeguards service providers in Louisiana from lawsuits due to negligence or poor performance. Learn coverage types, policy details, and how to avoid gaps.

Learn what qualifies a car as “classic” for insurance purposes and how to reduce premiums on older vehicles. Discover smart coverage tips for Louisiana drivers.

Confused about term vs. permanent life insurance? Learn which type of coverage best fits your needs and financial goals with this simple breakdown.

While asking the contractor for proof of workers compensation insurance is a good first step, it’s often advised to check with the state to make sure they’re covered.

Is your jewelry fully covered by homeowners insurance? Learn why you may need to schedule high-value pieces and how to protect against theft, loss, or damage.

Protect yourself from owing more than your car’s worth with gap insurance. Learn who benefits most and why it’s a smart, affordable add-on for many drivers.

Protect your business from costly data breaches by educating employees, securing sensitive information, using strong password protocols, and staying vigilant against phishing attacks. Learn essential cybersecurity tips to reduce your risk today.

Learn how a password manager can protect your digital life by creating and storing strong, unique passwords. This guide shows how to use tools like 1Password, LastPass, or Dashlane to stay secure online.

Discover the most common workplace injuries and why workers compensation insurance is essential for your business. Learn how it protects both employees and employers from costly risks.

Learn when your business needs commercial auto insurance, what it covers, and how to find the best rates. Discover how an independent agent can help you get the right protection for your company vehicles.

Owning a dog can impact your homeowners insurance—especially if it’s a breed insurers view as high-risk. Learn what coverage to expect and how to choose the best policy for your situation.

Learn what makes up a typical car insurance policy—including liability, collision, and roadside coverage—and how to take advantage of discounts to lower your premium.

Running a business from home? Learn which insurance policies—like general liability and property coverage—are essential for protecting your home-based business from financial risk.

Learn the step-by-step process of filing a homeowners insurance claim—from reporting incidents and working with adjusters to receiving your settlement—so you can recover quickly and avoid common mistakes.

Creating a home inventory is key to ensuring you’re properly insured. Learn how to document your belongings room by room and download a free spreadsheet template to get started.

Make sure your homeowners insurance is hurricane-ready. Learn how to check your structure coverage, hurricane deductibles, personal property limits, and living expense benefits before a storm hits.

Cyber liability insurance is no longer optional. Learn what it covers, why general liability isn’t enough, and how even small businesses are increasingly at risk from data breaches.

Learn why flood insurance is crucial for businesses, how coverage through the National Flood Insurance Program works, and what factors affect your policy cost and risk.

Learn the essentials of flood insurance, how to prepare your home and family before a disaster, and the critical steps to take after a flood to recover and file a successful insurance claim.

Discover how Business Interruption Insurance protects your company from financial loss after disasters. Learn what it covers, how it works, and why it’s essential for recovery.

Learn about essential business insurance types—from property and liability to workers’ compensation and employee benefits—and how to choose the right coverage for your company’s unique risks.

Discover why working with an independent insurance agent offers more choices, expert advice, and long-term support—helping your business stay protected and avoid costly coverage gaps.

Understand what risk tolerance means for your business and how it impacts insurance decisions. Learn key questions to assess your coverage needs and avoid costly mistakes.