Commercial Auto Insurance Covington, LA – Keeping Your Business in Motion
Your business doesn't sit still, and neither do your vehicles. TWFG Luarca Insurance knows that your company cars, trucks, and vans are the backbone of your operations. Whether delivering goods, transporting equipment, or providing services across town, your business relies on these vehicles daily.
Our commercial auto insurance in Covington, LA, is built to match the way you work. More than just protection, it's a promise that your business is covered no matter where your journey takes you, on the clock or off.
Commercial Vehicle Insurance Covington, LA
If your vehicles hit the road for business, personal auto insurance won't cut it. TWFG Luarca Insurance provides tailored coverage options backed by over a decade of industry expertise. From single-owner operations to growing fleets, our commercial policies are customized to fit your needs, not someone else's template.
Start with a free quote today and explore how Louisiana commercial auto insurance can provide compliance and confidence in every mile.
FAQ's About Commercial Auto
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.
Why Commercial Auto Insurance Matters ?
Relying on personal auto coverage for business use is risky. Without proper insurance, you may face:
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Denied Claims: Personal policies often exclude business-related accidents
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Out-of-Pocket Repairs: Costs for vehicle damage or legal defense
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Voided Coverage: Insurers may cancel personal policies for misuse
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Employee Liability Exposure: Accidents caused by team members could impact your business financially
A commercial policy ensures you're protected legally and financially, around the clock.
Commercial Business Insurance – More Than Vehicles
Business risks don't stop at the curb. That's why TWFG Luarca Insurance offers full-scale commercial business insurance packages to protect everything inside and beyond your vehicle.
Core coverages include:
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General Liability Insurance: Protection from third-party bodily injury, property damage, and legal costs.
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Property Insurance: Covers your buildings, inventory, tools, and furniture from fire, theft, or vandalism.
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Workers' Compensation: Required in most states, this covers medical care and lost wages for injured employees.
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Business Interruption Insurance: Reimburses income lost due to events like fire or disaster that halt your operations.
Whether you're a small business owner or manage a larger operation, our team of experts can help you tailor a policy that meets your needs and protects your business.
Getting Started is Easy
Simple, fast, and tailored to your business type
We assess your needs and build a policy that fits
You'll be fully protected, fully compliant, and fully in control
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Louisiana Commercial Auto Insurance. Customized. Local. Reliable.
From Covington to the broader Louisiana region, TWFG Luarca Insurance is your trusted partner for commercial auto insurance that Louisiana businesses rely on. We're not just selling policies—we're helping you build resilience and reliability on the road and in the office.
Additional Coverage Options
Frequently Asked Questions
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Liability Insurance CoverageLouisiana law mandates liability insurance to pay for property damage or injuries you cause to others. However, it does not cover injuries you or your family may incur. You'll need additional coverages like Personal Injury Protection or Collision and Comprehensive to protect your medical expenses or vehicle. Additionally, Liability coverage does not protect your vehicle, which is where Collision and Comprehensive coverages come into play. These extra options can prevent hefty expenses following an accident. Minimum Liability Limits in Louisiana: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) $25,000 for Property Damage We always recommend reviewing and increasing your limits to strengthen your financial protection.
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Uninsured/Underinsured Motorist CoverageAccidents involving uninsured drivers are more common than you think. Although it's not mandatory, Louisiana law requires insurers to offer Uninsured/Underinsured Motorist (UM/UIM) coverage. This critical protection occurs when the at-fault driver doesn't carry adequate insurance. Minimum UM/UIM Limits: $15,000 for Bodily Injury (per person) $30,000 for Bodily Injury (per accident) Boosting these limits can significantly enhance your peace of mind.
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SR-22 InsuranceHave you been labeled a high-risk driver? If so, Louisiana law may require you to file an SR-22—proof of financial responsibility and guarantees coverage for a specified period. If your policy is canceled or lapses, your insurer must notify the Louisiana Office of Motor Vehicles (OMV). Louisiana law requires an SR-22 in certain situations. The state typically mandates it for drivers who have: Been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). Had their license suspended or revoked due to serious traffic violations? Have you been involved in an accident without proper insurance coverage? We assist drivers in obtaining and filing SR-22 forms efficiently, allowing them to regain their driving privileges confidently. If you fall into one of these categories, you may be required to obtain an SR-22 from your insurance provider to drive a vehicle, which will be filed with the Louisiana Office of Motor Vehicles (OMV). Drivers must maintain the SR-22 for a specified period, usually three years, to avoid further penalties or license suspension.