Business Insurance Covington, LA
Reliable Protection When You Need It Most

It depends on your business size and industry, but most Louisiana businesses need general liability, commercial property, and workers’ compensation coverage at a minimum. Many also add commercial auto, professional liability, or a business owner’s policy (BOP) for well-rounded protection. At TWFG Luarca Insurance in Covington, we help you identify risks and customize coverage that fits your specific business.

Yes—workers’ compensation insurance is required if you have employees, even part-time. Depending on your business type and contracts, commercial auto and liability insurance may also be required. Having proof of coverage not only keeps you compliant but also builds trust with clients and vendors.

General liability insurance covers claims related to bodily injury, property damage, and personal or advertising injury caused by your business operations. For example, if a customer slips in your store or an employee accidentally damages a client’s property, this policy helps cover legal and medical expenses.

A BOP bundles general liability and commercial property coverage into one affordable policy. It’s ideal for small and medium-sized Louisiana businesses, such as restaurants, shops, and service companies, offering essential protection at a lower combined rate.

The cost depends on your industry, location, number of employees, and coverage limits. On average, small businesses in Louisiana spend anywhere from $50 to $200 per month on general liability coverage. We compare rates from top-rated carriers to find affordable options for your budget.

Usually not. Most homeowners policies exclude business activities, meaning your equipment, inventory, or liability exposure won’t be covered. If you run a home-based business in Covington or surrounding areas, we can help you add a home business endorsement or a separate business policy for proper protection.

Louisiana requires workers’ comp for businesses with employees, but it’s also one of the best ways to protect your team—and yourself—from unexpected costs. It covers medical bills, lost wages, and rehabilitation if an employee is injured or becomes ill due to work.

Also known as Errors & Omissions (E&O) coverage, this protects professionals like consultants, accountants, and contractors against claims of negligence or mistakes in their work. It’s essential if your business provides advice or services.

Personal auto policies won’t cover accidents that happen while driving for work. If your business owns or uses vehicles for deliveries, job sites, or client visits, you’ll need commercial auto insurance to cover accidents, injuries, and property damage.

If your business stores customer data—names, credit card information, or even email addresses—you should consider cyber liability insurance. It covers costs related to data breaches, hacking, or identity theft recovery, which are becoming more common across Louisiana.

Standard business insurance typically covers wind and storm damage, but flooding is excluded. In Louisiana, where flooding is a real concern, we recommend adding a separate flood insurance policy—available through the National Flood Insurance Program (NFIP) or private carriers—to ensure full protection.

If you ever need to file a claim, contact TWFG Luarca Insurance in Covington right away. We’ll walk you through the process, help you gather documentation, and work directly with your carrier to ensure a smooth and fair resolution. We’re here for you every step of the way.

Absolutely. As an independent insurance agency, we shop multiple top-rated carriers to find the right mix of coverage, price, and protection for your business. You’ll get personalized options—without the sales pressure.