The Hartford ranks first for general liability insurance in Louisiana, offering low rates and dependable service. NEXT and Simply Business also perform well, known for their strong customer support.
General Liability Insurance in Louisiana
The Hartford tops our rankings for general liability insurance in Louisiana, scoring 4.56 out of 5.
Explore low-cost general liability insurance in Louisiana below.
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Updated: November 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Simply Business lead Louisiana's general liability insurance market with strong coverage options for business owners.
Choosing the right general liability coverage depends on your business type, size and coverage needs.
Compare quotes from multiple insurers, check their financial ratings and verify credentials before buying a policy.
Best General Liability Insurance Companies in Louisiana
| The Hartford | 4.56 | $96 |
| NEXT | 4.55 | $120 |
| Simply Business | 4.48 | $111 |
| Coverdash | 4.37 | $120 |
| Thimble | 4.35 | $122 |
| biBerk | 4.32 | $130 |
| Progressive Commercial | 4.27 | $117 |
| Hiscox | 4.21 | $130 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
Comprehensive business protection in Louisiana requires more than just general liability coverage. Review these additional insurance resources for complete coverage:
Best Louisiana Small Business Insurance Reviews
We analyzed Louisiana's leading general liability insurance providers to help small business owners identify which companies offer the most reliable coverage and competitive rates for their general liability insurance needs.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$96Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$120Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Louisiana
The Hartford offers the most affordable general liability insurance in Louisiana at $96 monthly ($1,146 annually). Simply Business and Nationwide also provide competitive rates at $111 and $113 per month respectively.
| The Hartford | $96 | $1,146 |
| Simply Business | $111 | $1,338 |
| Nationwide | $113 | $1,358 |
| Progressive Commercial | $117 | $1,403 |
| NEXT | $120 | $1,441 |
| Coverdash | $120 | $1,445 |
| Thimble | $122 | $1,468 |
| biBerk | $130 | $1,557 |
| Hiscox | $130 | $1,559 |
| Chubb | $138 | $1,661 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Louisiana
General liability insurance costs Louisiana business owners an average of $118 monthly or $1,410 annually, running slightly above national rates. Your actual premium depends on your industry's risk level, business size, and claims history. Construction companies typically pay higher costs than lower-risk businesses like consulting firms due to increased liability exposure.
Average Cost of General Liability Insurance by Industry
General liability insurance costs in Louisiana vary widely by industry. Pressure washing businesses pay the highest monthly premiums at $1,030, while drone companies pay the lowest at $19 per month. The table below shows premiums across different business types.
| Accountants | $25 | $302 |
| Ad Agency | $43 | $521 |
| Automotive | $60 | $724 |
| Auto Repair | $184 | $2,207 |
| Bakery | $104 | $1,247 |
| Barber | $54 | $648 |
| Beauty Salon | $78 | $939 |
| Bounce House | $79 | $947 |
| Candle | $62 | $740 |
| Cannabis | $75 | $903 |
| Catering | $108 | $1,301 |
| Cleaning | $151 | $1,814 |
| Coffee Shop | $105 | $1,256 |
| Computer Programming | $35 | $425 |
| Computer Repair | $51 | $606 |
| Construction | $217 | $2,602 |
| Consulting | $25 | $303 |
| Contractor | $285 | $3,421 |
| Courier | $218 | $2,620 |
| Daycare | $37 | $442 |
| Dental | $25 | $295 |
| DJ | $30 | $364 |
| Dog Grooming | $70 | $843 |
| Drone | $19 | $223 |
| Ecommerce | $84 | $1,002 |
| Electrical | $129 | $1,543 |
| Engineering | $48 | $577 |
| Excavation | $541 | $6,489 |
| Florist | $50 | $600 |
| Food | $120 | $1,442 |
| Food Truck | $137 | $1,640 |
| Funeral Home | $69 | $831 |
| Gardening | $127 | $1,519 |
| Handyman | $281 | $3,367 |
| Home-based | $27 | $320 |
| Home-based | $54 | $642 |
| Hospitality | $80 | $957 |
| HVAC | $282 | $3,381 |
| Janitorial | $160 | $1,917 |
| Jewelry | $51 | $607 |
| Junk Removal | $183 | $2,202 |
| Lawn/Landscaping | $146 | $1,752 |
| Lawyers | $26 | $314 |
| Manufacturing | $85 | $1,018 |
| Marine | $31 | $376 |
| Massage | $115 | $1,381 |
| Mortgage Broker | $26 | $315 |
| Moving | $145 | $1,744 |
| Nonprofit | $40 | $484 |
| Painting | $165 | $1,981 |
| Party Rental | $89 | $1,071 |
| Personal Training | $28 | $333 |
| Pest Control | $36 | $434 |
| Pet | $63 | $760 |
| Pharmacy | $72 | $867 |
| Photography | $28 | $340 |
| Physical Therapy | $151 | $1,809 |
| Plumbing | $416 | $4,990 |
| Pressure Washing | $1,030 | $12,359 |
| Real Estate | $51 | $609 |
| Restaurant | $172 | $2,069 |
| Retail | $79 | $951 |
| Roofing | $434 | $5,212 |
| Security | $154 | $1,844 |
| Snack Bars | $133 | $1,596 |
| Software | $32 | $380 |
| Spa/Wellness | $112 | $1,342 |
| Speech Therapist | $37 | $440 |
| Startup | $34 | $403 |
| Tech/IT | $32 | $380 |
| Transportation | $42 | $502 |
| Travel | $24 | $285 |
| Tree Service | $153 | $1,833 |
| Trucking | $113 | $1,360 |
| Tutoring | $36 | $434 |
| Veterinary | $49 | $590 |
| Wedding Planning | $33 | $402 |
| Welding | $187 | $2,241 |
| Wholesale | $51 | $608 |
| Window Cleaning | $184 | $2,214 |
How Did We Determine These Rates?
These rates apply to small businesses with two employees in 79 common industries and cover only general liability insurance. Your actual cost varies based on your location, industry, coverage amount, and other factors insurers use. Available options may also differ by state.
How Much General Liability Insurance Do I Need in Louisiana?
Louisiana doesn’t require most businesses to have general liability insurance. While there are no state penalties for operating without it, you might still run into compliance issues or fines in certain situations.
Electricians
Louisiana requires licensed electricians to carry $50,000 per occurrence and $100,000 annual aggregate. Completed operations coverage must be included as part of the general liability policy.
Electrical Sign Contractors
Electrical sign contractors in Louisiana must maintain the same general liability coverage as electricians, with $50,000 per occurrence and $100,000 annual aggregate limits. Completed operations coverage is also required for this trade.
HVAC Contractors
Residential HVAC contractors need minimum coverage of $25,000 per occurrence and $50,000 annual aggregate, while commercial contractors must carry $100,000 per occurrence and $300,000 annual aggregate. All classes require completed operations coverage.
Fire Safety Companies
Fire safety companies must maintain general liability insurance with minimum limits of $500,000 per occurrence and $1,000,000 annual aggregate to obtain and keep their Louisiana registration.
Getting good business insurance in Louisiana usually includes general liability coverage, even if it’s not required by law. Many landlords ask for proof of insurance before signing a lease and large clients like corporations or government agencies often require it before giving out contracts. Make sure your coverage limits meet both licensing standards and client requirements.
How to Choose the Best General Liability Insurance in Louisiana
General liability insurance helps Louisiana businesses avoid expensive lawsuits and claims. Figure out what coverage your business needs, then compare plans to find one that fits your budget.
- 1Identify Your Coverage
Check if your industry in Louisiana requires specific insurance coverage. Some clients may also ask for higher limits, such as $1 million, before working with you.
- 2Gather Business Details
Before requesting quotes, prepare key information like your annual revenue, number of employees and business type. This helps insurers provide more accurate estimates.
- 3Collect Multiple Insurance Quotes
Always compare at least three insurers since business insurance cost varies.
- 4Read Policy Details
Don’t just focus on cheap business insurance rates. Take time to review the exclusions and coverage limits. Some policies include legal defense costs beyond your coverage limit, while others don't.
- 5Check Insurer and Agent Credentials
Visit the Louisiana Department of Insurance website to verify licenses and check complaint records. You can also use AM Best ratings to find financially strong companies with reliable claims service.
- 6Look for Discounts
Ask about possible savings, such as bundling multiple policies, setting up safety programs, or keeping a clean claims history.
- 7Get Your Proof of Insurance
Once you buy your policy, request a certificate of insurance right away. Many clients and landlords will ask for this as proof of coverage.
How to Prevent General Liability Claims in Louisiana
Liability claims are difficult, even with the best business insurance, but Louisiana companies can prevent most issues through smart preparation and proper planning.
Watch out for property hazards
Louisiana's frequent storms and high humidity create ongoing fall risks from wet surfaces, debris and uneven pavement. Inspect walkways daily during storm season, maintain proper drainage around entrances and address moisture issues.
Train your people well
Proper employee training reduces workplace accidents and customer injuries that lead to costly liability claims.
Keep good records
Louisiana's legal environment requires thorough documentation to defend against liability claims and comply with state regulations.
Get everything in writing
Specify work scope, property access restrictions and responsibility for storm-related delays or damage in all contracts.
Fix problems fast
Quick response to complaints and incidents can prevent small issues from becoming formal liability claims under Louisiana law.
General Liability Insurance in Louisiana: Bottom Line
Securing quality general liability insurance in Louisiana requires matching coverage to your specific business needs and researching reliable providers. The Hartford, NEXT and Simply Business represent the state's top-performing insurers, though your ideal choice depends on your industry type, company size and available budget.
Commercial General Liability Insurance in Louisiana: FAQ
Our research and analysis helped us answer the most common general liability insurance questions that Louisiana business owners ask when shopping for coverage.
What does general liability insurance cover for Louisiana businesses?
General liability insurance for Louisiana businesses covers third-party bodily injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Louisiana?
Small businesses in Louisiana pay between $95 and $130 monthly for general liability insurance. The Hartford leads as the most affordable option at $96 per month, with Simply Business at $111 and Nationwide at $113 offering competitive alternatives.
Do Louisiana businesses legally need general liability insurance?
Louisiana don't mandate general liability insurance for most businesses. But municipalities and parishes can impose their own requirements, and certain licensed professionals like contractors and electricians must maintain coverage.
Which company offers the best general liability insurance in Louisiana?
The Hartford ranks as Louisiana's top general liability insurance provider, earning high marks for financial stability and affordability at around $96 monthly.
What coverage limits should Louisiana businesses choose?
Louisiana businesses should first verify any minimum coverage requirements mandated by their industry licensing boards. The standard choice for most small businesses is $1 million per occurrence paired with $2 million aggregate coverage.
How We Scored the Best General Liability Insurance Companies in Louisiana
Louisiana businesses deal with unique liability risks, such as hurricane damage and workplace injuries across different industries. Our evaluation focuses on general liability insurers that offer reliable protection without putting pressure on small business budgets.
What We Evaluated
- Affordability (50%): Many small businesses in Louisiana have limited budgets. We compared premium costs from multiple providers since affordable pricing helps businesses maintain essential coverage.
- Customer experience (30%): Smooth claims handling is crucial when problems arise. We reviewed J.D. Power ratings, state complaint databases and feedback from independent agents to see how insurers support policyholders during claims.
- Coverage options (15%): Liability risks vary across Louisiana industries. We looked at how insurers tailor general liability policies for different business types, including retail stores and construction companies throughout the state.
- Financial strength (5%): Low premiums mean little if a company cannot pay valid claims. We checked AM Best ratings and financial reports to confirm each insurer’s stability and ability to meet claim obligations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed November 16, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed November 16, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed November 16, 2025.
- Trustpilot. "The Hartford Reviews." Accessed November 16, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed November 16, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed November 16, 2025.