Liability Insurance

Every business has different general liability insurance needs. Based on the specific insurance needs and requirements for your company, Louisiana Insurance Services will help you determine the right type and amount of general business liability insurance best suited for your needs. Contact us today to discuss your general liability insurance needs.

General Liability
Day to day business is full of risks. General liability insurance protects your business from claims of bodily injury, associated medical costs, and damage to property. General liability covers many situations that you may not have even thought of. Here are examples:

• Bodily Injury
  A client slips in your store - you are legally liable for the injury. We may cover the subsequent claim and related medical expenses up to your general liability policy's limits of liability.
• Property Damage and Data Loss
  You spill coffee on a client’s computer causing damage and loss of data. We may cover the subsequent claim up to your general liability policy's limits of liability.
• Personal Injury
  One of your employees is at dinner and talks to the owner of the restaurant about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We may cover the subsequent claim, up to your general liability policy's limits of liability, and pay for an attorney to defend you if necessary. 

Professional Liability Insurance (Errors & Omissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies.

Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights.

Directors and Officers Insurance (D&O)
D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
 

Our friendly agents will walk you through the steps necessary to find the right policy for your needs. Let us help you make the right decision that's stress free.