Business & Commercial Insurance
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Business & Commercial Insurance Information
Business & Commercial Insurance
Bourg Insurance has been providing insurance for individuals and businesses for over 48 years. Our insurance professionals understand the unique risks that each industry and business face and are determined to bring you affordable policies with great customer service. We create genuine bonds with our clients by not only sending out policies, but by advising, educating and planning insurance policies that are just right for the risks and the budget at hand.
Required Commercial Insurance
There are some insurance policies that are legally required depending on the state.
In Louisiana, all employers must carry workers compensation insurance, even if they only have a single part-time employee.
Commercial Auto Insurance
Certain limits of commercial auto insurance are required for commercial vehicles in various states. Requirements may vary depending on the weight of the vehicle, distance of travel and the cargo being transported. Vehicles used to transport people or hazardous materials generally require higher limits of insurance.
Protect Your Business. Call Us Today.
Insure your business today with a reliable and affordable policy. Speak with a Bourg Insurance agent at 225-490-5678 or fill out an online quote form to get started!
Frequently Asked Questions
What Insurance Do You Need for a Small Business?
Many businessowners think they don’t need much insurance for their small business, but this isn’t true. Small businesses face a variety of risks and don’t always have the savings to recover after a bad lawsuit or disaster. Every small business should consider the risks in their industry and speak with an agent at Bourg Insurance to determine what insurance you need to protect your business.
How Much Business Insurance Should I Have?
Insurance limits for businesses should be determined by the industry, location and size of the business. Most general liability insurance policies begin at $1 million, but you may need higher limits if your businesses face more liability risks. When it comes to commercial property insurance, combine the value of the business’ property, fixtures, square footage and value to determine the total replacement cost value. It’s recommended that you carry enough to cover the total replacement cost value of your commercial items.
What Does a Commercial Insurance Policy Cover?
There are ways to bundle commercial insurance coverages through a business owners policy or commercial package policy. These packaged policies may include:
· General Liability: This coverage covers claims concerning bodily injury or property damage that occurs on a third party on the business property.
· Commercial Property: This covers the physical property owned by the business from damage or loss due to fire, lightning, smoke, theft, vandalism and more.
· Commercial Auto Insurance: This provides car insurance coverage specifically for work vehicles.
· Workers Compensation: Workers compensation offers coverage for employees who are injured on the job.
· Professional Liability Insurance: This insurance covers acts of professional negligence that cause clients to lose money.
What is Commercial Auto Insurance?
Commercial auto insurance is a type of insurance policy designed to cover vehicles owned or used for business purposes. It offers many of the same coverages as personal auto insurance but is geared for commercial vehicles.
- Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
- Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types