The Hartford tops our rankings for best general liability insurance in Louisiana, delivering affordable rates and reliable service. NEXT and Simply Business also excel with 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: October 30, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Simply Business are Louisiana's leading general liability insurance providers, offering comprehensive coverage options for business owners.
Finding the right general liability coverage in Louisiana requires careful consideration of your business type, size and specific coverage requirements.
Business owners should compare multiple quotes, review insurer ratings, and verify provider credentials before selecting their general liability coverage.
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 Options
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 Options
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 vary dramatically across industries in Louisiana. Pressure washing businesses face the steepest monthly premiums at $1,030, while drone companies pay the most affordable rates at just $19 per month. The table below shows how premiums differ across various 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 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.
How Much General Liability Insurance Do I Need in Louisiana?
Louisiana doesn't require most businesses to carry general liability insurance at the state level. Operating without coverage typically won't trigger state penalties, but you could face compliance issues or fines.
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.
Having the best business insurance in Louisiana means including general liability coverage, even when not legally mandated. Most commercial property owners demand proof of coverage before approving lease agreements, and significant clients like corporations and government entities typically require valid insurance certificates before awarding contracts. Your coverage limits should satisfy both licensing standards and client expectations.
How to Choose the Best General Liability Insurance in Louisiana
General liability insurance protects Louisiana businesses from costly lawsuits and claims. Our strategic step-by-step process involves determining what coverage your business requires and ensuring the premiums align with your budget.
- 1Determine your coverage needs
Check if your industry has specific licensing requirements in Louisiana first. Many clients demand higher coverage limits like $1 million.
- 2Prepare your business information
Gather details like annual revenue, employee count and business type before requesting quotes.
- 3Collect multiple insurance quotes
Always compare at least three insurers since business insurance cost varies.
- 4Review policy terms carefully
Focus on exclusions and coverage limits rather than just cheap business insurance rates. Some policies include legal defense expenses above your coverage limit, while others don't include this.
- 5Verify insurer and agent credentials
Use Louisiana's insurance department website to confirm licenses and check complaint records. AM Best financial ratings help identify stable insurers with reliable claims handling.
- 6Research available discount programs
Ask about potential savings opportunities like bundling multiple coverage types, implementing workplace safety programs or maintaining a clean claims history.
- 7Obtain your insurance certificate
Request your certificate of insurance immediately after purchasing coverage since clients and landlords often require proof.
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 encounter specific liability challenges, including hurricane-related incidents and workplace injuries across diverse industries. Our evaluation process identifies general liability insurers that deliver dependable coverage without straining tight business budgets.
What We Evaluated
- Affordability (50%): Louisiana small businesses operate with limited financial resources. We analyzed premium costs across multiple providers because reasonable pricing determines whether businesses can maintain essential coverage.
- Customer experience (30%): Effective claims processing protects business operations when incidents occur. We examined J.D. Power ratings, state complaint databases, and independent agent feedback to assess how insurers treat policyholders during claim situations.
- Coverage options (15%): Louisiana industries face varying liability exposures. We evaluated how insurers customize general liability policies for different business types, from retail shops to construction companies operating throughout the state.
- Financial strength (5%): Low premiums become worthless if insurers cannot fulfill claim obligations. We checked AM Best ratings and financial documentation to verify each company's ability to pay valid claims.
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 2, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed November 2, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed November 2, 2025.
- Trustpilot. "The Hartford Reviews." Accessed November 2, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed November 2, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed November 2, 2025.