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The Louisiana Insurance Center Blog: coverage

View the latest blog posts from The Louisiana Insurance Center.

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Wednesday, December 22, 2021

Workers’ Compensation Premium Audit Tips

At the end of every workers' compensation policy period, insurance carriers conduct audits to ensure that paid premiums accurately reflected a business’s operations over the duration of the policy period. This is necessary, because premiums paid at the beginning of the policy period are only estimates based on projected payroll and assigned employee classification codes. READ MORE >>

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Thursday, October 7, 2021

Workers’ Compensation Premium Audit Tips

At the end of every workers' compensation policy period, insurance carriers conduct audits to ensure that paid premiums accurately reflected a business’s operations over the duration of the policy period. This is necessary, because premiums paid at the beginning of the policy period are only estimates based on projected payroll and assigned employee classification codes. READ MORE >>

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Thursday, September 9, 2021

4 Questions You Should Ask Before Purchasing General Liability Insurance

General liability insurance protects your business from many potential damages. Most business owners understand the importance of having business insurance. Yet, they might not know enough to have the right level of protections.   We are here to help. Get a clear answer to the following four questions before you buy. READ MORE >>

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Friday, August 13, 2021

When Do You Need Workers Compensation Insurance?

As a business owner, you know the importance of providing a safe environment for your employees to work in. But in many situations, accidents happen even when the environment is safe. This is a major reason why Tennessee-based businesses with more than five employees are required to carry workers... READ MORE >>

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Wednesday, November 25, 2020

What is Bodily Injury Liability Insurance?

When running your business, you have to protect your customers. This means not only providing them with exceptional service, but also creating a safe environment for them to do business in. If someone were to sustain harm as a result of your services, then you might have to repay them.  READ MORE >>

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Wednesday, September 23, 2020

What Does Personal and Advertising Injury Mean on My General Liability Policy?

General liability insurance covers three main areas for businesses: bodily injury, property injury and personal and advertising injury. This third type of coverage is perhaps the one most commonly forgotten and misunderstood.  READ MORE >>

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Monday, December 17, 2018

Four Reasons You Need Extra Liability Insurance

General liability insurance can protect your business. But, are you packing a good enough policy? Sometimes, a general liability insurance policy isn't effective enough. Once you've purchased a standard policy, you should think about expanding it. You can get additional coverage, and it usually isn't hard. READ MORE >>

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Thursday, April 12, 2018

Improving Passenger Safety on Your Boat

Everyone is going to want to get out and enjoy the spring weather. If you’re a boat owner, you might want to invite friends or family on your vessel. Taking your boat out is often a great way to socialize, relax and make the most of this unique recreational item. READ MORE >>

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Friday, February 17, 2017

What Is Umbrella Insurance and Do I Need It?

Understanding Umbrella Insurance: An umbrella insurance policy is additional liability coverage that goes beyond the limits of the insured's home, auto and other policies. Umbrella insurance is designed to add an extra layer of protection to those who are liable for damage to other people's property or injuries caused to others in an accident. READ MORE >>

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Thursday, February 9, 2017

What Happens If an Uninsured Motorist Hits Me?

Being involved in a car accident is stressful enough, but then finding out you have been hit by an uninsured or underinsured driver can be much more of an inconvenience. An uninsured driver is one that carries no liability coverage or it can be a driver that hit and ran. READ MORE >>

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