Louisiana Business Insurance
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
- Competitive rates despite Louisiana's challenging insurance conditions
- 4.9/5 Google rating — trusted multi-state agency
Regulatory notes
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.
Carriers we place in Louisiana
- Progressive
- Nationwide
- Employers
- AmTrust
- Bristol West
- Northland
- Canal
- Cover Whale
Industries we serve
Get a free quote or call (321) 206-8035.