Hammond Business Insurance

Hammond, LA is home to a variety of warehouses, and is a distribution center for Walmart. Known for its university and a specific supply chain management degree, Hammond is all about the field of industry. 

When you operate one of Louisiana's 447,440 small businesses in this city of 20,480 residents, you'll want protection. An independent insurance agent can help find coverage for a fair price.  You can connect with a local expert to begin your search today. 

Does Your Hammond, LA Commercial Property Have the Right Insurance?

Did you know that your commercial property insurance in Hammond may make you pay the first 20% of a loss? Most carriers only insure your building up to 80%, which means you could lose money. To ensure you don't have to pay out of pocket, connect with an adviser. Take a look at the most common property catastrophes in Hammond, LA:

1. Flooding and water damage
2. Burglary and other property crimes
3. Hurricanes and tropical storms
4. Severe storms and lightning damage
5. Tornadoes

Does your Hammond property have flood insurance?

Flood damage is excluded from your commercial property policy. This means when you don't have flood insurance, you're responsible for the cost. If you want to be completely protected from flooding, contact an expert to get a quote. An independent agent can help you get a FEMA-approved policy. 

General Liability Insurance in Hammond, LA May Not Be Enough

In 2019, a whopping 6,888,509,000 commercial claims were paid in Louisiana. If you only have general liability insurance, you may be missing key coverages. To ensure you have adequate protection, speak with an independent agent. Take a look at some common liability coverages to discuss with an adviser:

Does your general liability insurance have the right limits?

General liability insurance will protect your business from a lawsuit. This is the most common policy business owners have,  but it is often the only coverage they obtain. To be fully protected, you'll need to add on to your policy. Speak with an independent agent to review your business insurance plan. 

Is business interruption insurance on your general liability policy?

Business interruption insurance will pay for your expenses when a claim shuts you down. Many businesses are without this essential coverage, which could close their doors indefinitely. Business interruption can be added to your general liability insurance, and is usually protection for 12 to 24 months. Contact an independent agent to make sure you have this vital coverage. 

Cyber liability insurance is necessary, but often forgotten

When your business gets hacked, your employees and customers can sue for stolen data. Without cyber liability insurance, you'll be responsible for the loss on your own. Discuss your liability options with a Hammond independent agent to get the most out of your policies. 

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Your Hammond, LA Employees Need Protection, and So Does Your Bottom Line

Worker's compensation insurance is required in Hammond, LA. If you have one employee or more, you're mandated to carry this policy. Worker's compensation will pay for your employees' medical expenses due to a workplace injury or occupational illness. State requirements can be tricky. A professional can help. Connect with a local agent to get the right policy.

Employee benefits coverage helps your employees feel valued

Employee benefits coverage can help pay for your employees' healthcare costs and more. In Louisiana, there are over 902,758 people employed by small businesses each year. To build a reliable team, you'll need to add value. Discuss creative plans with an independent agent to begin.

If your employees are taken care of, they have more time to focus on your operation. To run a smooth business, you'll need to have the right coverage. Contact a Hammond independent agent to get policies that make a difference. 

How to Work with a Hammond, LA Independent Insurance Agent

If you're tired of searching for business coverage on your own, get an independent insurance agent. They work on your behalf at no cost to you. Since they have access to several markets, you get options on coverage and price. 

When you want an affordable policy that doesn't impact your bottom line, connect with an independent agent. You can get matched easily with one of TrustedChoice.com's 421 local experts.