Louisiana Business Insurance Update
Most businesses have employees who run the day to day operations. Employees are typically covered under a worker’s compensation policy if they are injured on the job. However, what happens if an employee causes injury to a customer, vendor, or other third party?
In general, you are liable for acts your employees commit while they are doing their job. A business or commercial insurance policy can provide protection for both the firm and your employees. That means you will usually be covered by your Louisiana business insurance policy unless there is a specific situation that is not covered. Exceptions and clauses may vary, but exclusions might include criminal acts or intentional acts.
Typically, a business policy will cover the employees while acting on behalf of the business, even if that is away from the premises.
Commercial insurance is one of the most important products a new business needs. Our agency can help you review your risks and guide you through the process of securing the right combination of coverage and price.
Fourrier Agency, Inc., a third Generation-Louisiana owned agency, represents the most stable and financially secure companies in the marketplace today. We shop multiple A rated companies for you to provide a variety of options to choose from.