Louisiana General Liability Insurance

McInnis Insurance Agency, based in Minden, Homer, LA, offers general liability insurance to businesses throughout the southern states. General liability provides your business with coverage for bodily injury, property damage, or personal injury to another person that results in a claim or lawsuit against your company.

For example, if a client visited a hardware store and was hurt by a pallet loading vehicle, the store’s general liability insurance would provide medical expense coverage and legal coverage related to any claim brought by the injured party.

Other potential business issues that can be covered by general liability insurance include legal settlements and claims of negligence, libel or slander. A McInnis Insurance agent can advise you on all aspects of liability coverage, including umbrella liability for unforeseen catastrophic claims.

It is important to note that general liability is there for you not only if you are actually at fault for harm to a person or property, but if you are accused of being at fault. Whether or not you or an employee of your business is found to be liable for damage, you will still need legal defense. For that reason, every business should evaluate their risks and ensure that they are adequately covered with general liability insurance as a part of their overall business insurance portfolio.

General liability insurance is a flexible coverage that can be tailored to your place of business and the risks you face. For business owners, general liability insurance can be a part of a business owner policy, or BOP, that includes a range of coverage based on the needs of the business. It can also be a standalone policy for those who do not own the business they run.

Depending upon the type of business you are in, we may recommend that you add specific protection to your general liability package. These recommendations may include:

• Professional liability
• Commercial vehicle insurance
• Product liability insurance
• Surety bonds
• Garage and dealers liability
• Umbrella liability
  

When we talk with you about your insurance needs, we can discuss these and other types of coverage that may make sense for your line of work. Additionally, we can help you with proof of insurance that may be needed for your business operations. Contractors, for example, sometimes find that a surety bond or an umbrella policy is required for a bid. Once we have your policy in place, we can quickly provide a certificate of insurance so you can get on with your work.

Every professional organization has unique risks and exposures. Even the most respected organizations, such as philanthropy and social service agencies, non-profits, charities and churches, can be subject to legal claims, libel and litigation. For this reason, it is important to obtain business coverage and liability insurance tailored to your company or organization.

Your agent at McInnis Insurance will take the time to learn about your business and provide guidance on a risk management strategy to help preserve your business assets in the event of an unfortunate incident.

Contact us today at 318-377-1145 or request a free quote.