CONNECT

Address:

8550 Anselmo Lane
Baton Rouge, LA 70810

Phone:

(225)767-6745

Fax/Other:

(225)767-6744

Commercial & Business Insurance Coverage

Losey Insurance & Financial Services provides comprehensive insurance services to clients in Baton Rouge and throughout Southeastern Louisiana. In addition to offering a range of personal insurance lines, from vehicle to homeowners insurance and more, we offer commercial and business insurance coverage to meet the specific needs of your operations.

What Is Commercial Insurance?

This type of insurance protects businesses, including their owners and employees. Coverage depends on the type of business, industry, as well as where it's located. Other considerations include how long the business has been in operation, how many employees work for it, and whether the business owns, rents, or leases its location.

What Is Covered By Commercial Insurance?

Each commercial insurance policy is customized to meet the small business owner's needs. Basic coverage typically includes general liability, commercial property, commercial auto, and crime. Add-ons may include insurance to cover any business interruptions or equipment breakdown. Employee benefits and workers compensation can also be added on as needed.

General Liability

At a minimum, commercial and business insurance coverage needs to include general liability. This insurance provides financial protection in the event of a legal suit brought against the business, or if someone is injured at your business location. Losses are paid in cases of personal injury, bodily injury, or property damage arising from business operations. It's vital that every small business carry sufficient coverage to protect against these cases.

Excess Liability & Umbrella Policies

An umbrella policy provides additional coverage beyond what's covered under standard commercial insurance. Many businesses benefit from additional liability coverage above the limits of a typical business policy. Umbrella coverage protects against major claims and specific lawsuits pertaining to such events as slander, libel, false arrest, and other scenarios.

Workers Compensation

By law, employees injured on the job must receive financial compensation. Workers compensation insurance helps businesses pay a certain amount to employees for injuries sustained on the job. Even with sound and reasonable safety measures in place, accidents can happen, making workers compensation an important type of coverage for a business to carry. It protects employers from lawsuits while offering compensation and medical care to employees who get hurt at work. This insurance also covers illnesses that are work-related.

Choose Us for All of Your Insurance Needs

At Losey Insurance & Financial Services, our highly experienced and knowledgeable staff works closely with each client to find the right insurance at reasonable prices. We're active in the local community through volunteer work with the American Heart Association and the Junior League of Baton Rouge, among other groups, and we have established professional relationships with trusted attorneys and CPAs. What's more, we've been recognized through numerous awards, including the NAIFA Quality Award.

Our background, qualifications, more than 30 years of experience, and community and legal connections enable us to find the right insurance products for our clients. We offer a personalized approach, giving our clients a roadmap to a solid financial future. Browse our full selection of insurance services and give us a call at (225) 767-6745 to request a quote today.