The best general liability insurance provider in Louisiana, according to our MoneyGeek study, is The Hartford, with an overall score of 96 out of 100. However, NEXT, Hiscox and Thimble are also great options for general liability policies.
Best General Liability Insurance in Louisiana
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in Louisiana is The Hartford, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Louisiana is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $30 a month.
General liability insurance costs in Louisiana depend on your industry, and we found they can range from $29 to $10,540 per month on average.
Best Cheap General Liability Insurance in Louisiana
| The Hartford | 96 | $34 | $58 |
| NEXT | 90 | $27 | $30 |
| Hiscox | 87 | $32 | $178 |
| Thimble | 81 | $24 | $294 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
The Hartford: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
The Hartford is the top option for general liability insurance because of its strong coverage options and competitive costs. It offers the second most affordable premiums for LLCs, at $58 per month or $696 per year. On top of that, the company has helped over 1 million small business owners and offers same-day proof of insurance with a streamlined application process.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is our pick for the cheapest overall general liability insurance. The company has the second-cheapest rates for sole proprietors at $27 per month and the lowest rates for LLCs at $30 per month. While its claims ratio was higher than other companies we've reviewed in the state, their overall buying process was smooth, and you can get proof of insurance within the same day.
How Much Is General Liability Insurance in Louisiana?
An average general liability insurance policy in the Pelican State typically costs around $29 per month for sole proprietors and $140 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $7,122 | $248 |
| General Contractor | $10,540 | $595 |
| Software Development | $140 | $29 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Louisiana
General liability insurance costs can fluctuate based on a number of different factors in Louisiana. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits play a crucial role in determining insurance premiums. Opting for higher limits leads to increased costs, while selecting lower limits generally results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses often see a rise in general liability insurance costs. This trend is evident in both LLCs and sole proprietorships.
Business location
Where your business is located significantly affects your insurance costs. Average rates can differ from one city to another within the same state, so it's important to consider these variations when assessing your coverage needs.
Claims history
A history of multiple claims can make a business appear riskier to insurers, which typically results in higher premiums.
Industry
Industries with greater risk levels, like construction, often encounter higher general liability insurance expenses.
Louisiana General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Louisiana, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Find out your liability risk by considering your industry, products or services, customer types, business size and market impact. To evaluate coverage options better, measure the frequency and costs of common claims in your industry.
- 2
Research average costs for your business
Research average costs for your specific business to understand how good of a deal you're receiving from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than resources online. You'll likely be able to get recommendations that are better for your specific needs and an understanding of what claims are common within your industry.
- 4
Compare multiple options through different means
Comparing multiple companies lets you evaluate which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Louisiana?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Certain businesses, like those in health care, building, and stores, face more risks and often see higher costs for general liability insurance. If your company is in one of these areas, or you have a bigger business with many employees, it's smart to check if you need more insurance than the basic amount.
Best General Liability Insurance in Louisiana: Bottom Line
Overall the best general liability insurance companies in Louisiana are The Hartford, NEXT, and Hiscox. Thimble also offers competitive rates, especially for sole proprietors. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Louisiana: FAQ
Below, we address frequently asked questions regarding general liability insurance in Louisiana:
Which company has the best general liability insurance in Louisiana?
MoneyGeek's leading choice for general liability insurance in Louisiana is The Hartford, which earned an overall score of 96 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Louisiana?
For sole proprietors, Thimble offers the cheapest coverage at $24 per month ($288 per year). For LLCs, NEXT provides the most affordable rates at $30 per month ($360 per year).
Does Louisiana require businesses to have general liability insurance?
Louisiana does not require businesses to carry general liability insurance, but it is recommended to protect against claims that could financially harm your business.
How We Chose the Best General Liability Insurance Providers in Louisiana
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.