FAQs

Auto Insurance FAQs

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What is the minimum amount of coverage I must have in Louisiana?

Louisiana Law requires every driver to have automobile liability insurance while driving on Louisiana public roads and highways. The statutory minimum limits of liability insurance in Louisiana are:
Bodily Injury

– $15,000 for the death or injury of any one person, any one accident
– $30,000 for all persons in any one accident

Property Damage

– $25,000 for any one accident

What happens if I do not have auto insurance?

Failure to show proof of insurance when requested may result in fines or a suspended license.

Am I covered by my existing insurance when I rent a car or should I purchase the additional damage waiver that the rental car company recommends?

If you are the named insured on a Louisiana auto policy then the coverage that you purchase for a vehicle travels with you when you rent or borrow a car. So, if you have collision and comprehensive coverage and are involved in an accident or the vehicle is damaged then your policy would respond as if it were your car. Your liability limits will also travel with you. This only applies to the named insured (owners) listed at the top of the policy, not all drivers listed. Additionally, any auto insurance that the lender of the car has, for that vehicle, will also follow it, regardless of the operator. This applies to occasional usage only. Someone who has access to your vehicle on a regular basis should be added to your policy.

Homeowner’s Insurance FAQs

How much homeowners insurance is enough?

Most people find that “enough” means a sufficient amount to rebuild their home. Remember that the foundation and the land are not covered under the policy and therefore will not figure into an insurance settlement. When determining the replacement cost of your home, do not use the sales price, the tax assessment or the value the mortgage company calculated. All these can vary greatly from the construction costs.

You should also evaluate your personal belongings and ask us about the options for covering these items. Most homeowners’ policies include personal liability protection. Be sure to speak with your agent concerning your liability coverage needs.

What will affect the price of my homeowner's insurance?

There are several factors that go into the cost of homeowner’s insurance. An example is the type of construction, where frame houses usually cost more to insure than brick. The age of the house is also a factor. Since newer homes should have fewer problems, they generally qualify for a discount. Does your neighborhood have adequate fire protection, fire hydrants, etc. If not, this will cost you a bit more.

How quickly will my possessions be replaced if I file a claim?

Each insurance carrier has a different policy on filing claims but the nature of the claim has the greatest effect on how quickly it is processed. Also, the specific article that was lost and your insurance carrier’s policy affect the turn around rate. We only represent strong, reputable insurance carriers that have a high rating on customer service.

Commercial Insurance FAQs

What do I need to know about commercial insurance?

Commercial insurance is designed to help protect many of the risks your business can face. This includes things like damage or destruction to your business vehicles, office equipment, and inventory. It also includes loss of income in case you have to close-up shop temporarily because of a covered loss as well as crime coverage including robbery, burglary, even employee dishonesty.

My business is just starting out. Do I need to get insurance right away?

You have to assess if you have liabilities right away. Generally the answer is yes, especially if you have a physical location. If you are renting a space, landlords will require that you have insurance, insuring your Business Personal Property and General Liability. The proof of insurance is usually forwarded by us to your landlord via a Certificate of Insurance. Workers Compensation is required as well.

Am I required to have worker's comp insurance for my Louisiana business?

All employers must provide workers compensation insurance for their employees, and must show proof that they have the financial means to carry Louisiana workers compensation insurance. Workers compensation insurance can be provided by a workers compensation insurer, self-insurance, or group self-insurance.

Exemptions to worker’s comp includes:

• Any employee of a private residential householder or of a private unincorporated farm.
• Musicians and performers who are rendering services related to a performance contract.
• Employees covered by the Federal Employer’s Liability Act, the Longshoremen’s and Harbor Workers’ Compensation Act and the Jones Act.
• Any employer acting as a common carrier while engaged in interstate or foreign trade by railroad.
• The crews of any airplane working in dusting or spraying operations.
•  Uncompensated officers and members of boards of directors of select nonprofit organizations.
• All real estate brokers or sales agents licensed to do business in the State of Louisiana.
• Any person performing services relating to the exploration, development, production, or transportation of minerals.

Marine Insurance FAQs

What types of vessels are covered by marine insurance? What items can be covered with this insurance?

The vessels that can be covered include tugs, barges, commercial fishing boats, ferries, charter boats, headboats, and many other commercial vessels. Coverage offered includes Hull & Machinery, Protection and Indemnity, Pollution, Excess, and Worker’s Comp.

What is a special marine policy or certificate of insurance? Why do I need one?

Special Marine Policy and Certificate of Insurance are terms that are used interchangeably in Commercial Marine insurance. These certificates are used when exporters must furnish evidence of insurance to customers, to banks or to other third parties in order to permit the collection of claims abroad. The original and duplicate copies of these forms are negotiable instruments, which will enable a consignee or a bank to make a claim overseas, if the goods are damaged in transit.

What is the Longshore and Harbor Workers' Compensation Act?

The Longshore and Harbor Workers’ Compensation Act (“LHWCA”) is a federal law that provides for the payment of compensation, medical care, and vocational rehabilitation services to workers disabled from injuries on the job and that occur on the navigable waters of the United States, or in adjoining areas customarily used in the loading, unloading, repairing, or building of a vessel. The LHWCA also provides for the payment of survivor benefits to dependents if the work injury caused or contributed to the employee’s death. These benefits are typically paid by the self-insured employer or by a private insurance company on the employer’s behalf. The term “injury” includes occupational diseases, hearing loss and illnesses arising out of employment.

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Slidell, LA 70458​
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