Louisiana's oil & gas industry, Port of New Orleans, and Gulf Coast exposure create one of the most challenging insurance markets in the U.S. Garzor Insurance provides Louisiana businesses with commercial coverage designed to navigate the state's high litigation costs, hurricane risk, and complex regulatory environment.
Why Louisiana is different
Expertise in Louisiana's challenging insurance market — one of the most expensive in the U.S.
Hurricane and flood coverage for Gulf Coast commercial properties
Oil & gas contractor and energy transport coverage specialization
Louisiana workers' comp required for all employers — no minimum employee count
Commercial auto expertise — Louisiana has the highest auto insurance costs nationally
Bilingual advisors for Louisiana's French Creole and Hispanic business communities
Why Garzor Insurance
Understanding of Louisiana's unique 'judicial hellhole' litigation environment
Access to carriers willing to write in Louisiana's tough market
Hurricane and flood coverage expertise for Gulf Coast businesses
Louisiana requires workers' compensation for all employers — there is no minimum employee threshold. Louisiana has the highest auto insurance costs in the nation. Commercial auto minimum liability is 15/30/25. Louisiana follows a pure comparative fault system. Motor carriers must comply with LDOTD and FMCSA requirements. Louisiana's 'direct action' statute allows plaintiffs to sue insurers directly.