Louisiana Business Insurance

Louisiana generally requires employers to carry workers' compensation once they have employees, even part-timers. Workers comp pays medical bills and lost wages after a job injury. It also typically shields you from most employee lawsuits over that injury. A common mistake we see is misclassifying workers as subcontractors. If that "sub" has no coverage of his own, an injury claim can land on your policy at audit time, or worse, on you directly.

Commercial auto covers vehicles your business owns or uses. Personal auto policies often exclude business use, so an accident while hauling materials could be denied. Hired and non-owned auto coverage is worth asking about if employees ever drive their own cars on errands for you.

Fleet owners may benefit from technology now. Bulletin 2026-02 set reporting requirements for premium credits tied to dashboard cameras and telematics on commercial vehicles. Footage from a dash cam can also settle fault disputes quickly, which matters more under the new 51% bar.

Builders risk covers a structure while it is under construction or renovation. It typically protects framing, materials stored on site, and sometimes materials in transit against fire, wind, theft, and vandalism. Your general liability policy will not pay for lumber stolen from your own job site, and the owner's homeowners policy may not cover an unfinished addition.

Policies are usually written for the project term, often three to twelve months. You can extend them if the job runs long. Coverage for flood and named storms may require a separate endorsement in coastal parishes, so confirm this before the slab is poured.

Aubert Insurance Agency has been insuring Louisiana businesses and families since 1910. That kind of history means we have seen storms, market swings, and carriers come and go from this state. Our offices in Covington and Slidell serve owners across St. Tammany Parish who want a person they can actually call.

A captive agent can only sell one company's products. If that carrier raises rates or drops your class of business, you are back to square one. As an independent agency, we compare multiple markets for you. That includes traditional carriers and, where it fits, self-insured funds. It matters most in a year like this, with new carriers entering the state and depopulation programs moving Citizens policies.

We also take time to explain what your policy says. An insurance policy is a legally binding contract, and its exclusions matter as much as its coverages. We would rather walk you through your flood exclusion now than explain it after a claim.



Our process takes three steps:

• Start Online: Tell us about your operations.
• We Shop For You: We compare options across carriers.
• Pick The Best Plan: You choose with clear side-by-side information.

Do I need workers comp if I only have one employee? In most cases, yes. Louisiana's requirement generally applies once you have an employee, and an uninsured injury can leave you paying medical bills and lost wages yourself.

How does builders risk work for renovations? Many carriers may write builders risk for remodels, typically covering the new work and materials rather than the existing structure. The existing building usually stays on the owner's property policy, so both policies should be coordinated.

What does commercial auto cover that my personal policy does not? Commercial auto typically covers business use, employee drivers, higher liability limits, and vehicles titled to your company. Personal policies often exclude claims that happen while you are working.

Is a self-insured fund safe? Louisiana SIFs are state-regulated, but members share financial responsibility and may be assessed in bad years. Review a fund's financial health and exit terms before you join.

Does the new contractor liability minimum affect me? If you are a residential contractor or mold remediator, the minimum rose to $500,000 on August 1, 2026. Check your current certificate today.



Can I bundle these coverages? Many carriers typically offer a business owners policy that combines general liability and property for smaller operations. Workers comp and commercial auto are usually written separately.

The right mix of Louisiana business coverage is about matching your policies to your risks. A landscaper in Mandeville needs different protection than a general contractor framing homes in Slidell or a café owner on Columbia Street. The 2026 reforms, new carriers, and growing options in workers comp give owners more room to improve coverage and pricing than they have had in years. Those gains only come if someone actually compares the options.

Start by gathering your current declarations pages, payroll figures, vehicle list, and any upcoming projects. Note your renewal dates, especially if you are a contractor facing the new liability minimum. Then let a local team that has served this community for more than a century do the shopping for you.

Ready to see how your current policies stack up? Start a Quote with Aubert Insurance Agency today. We will compare carriers and self-insured funds, explain what each option means for your business, and help you choose coverage that holds up when you need it most.