For the best professional liability insurance in Louisiana, NEXT tops our rankings with competitive rates and excellent customer service. The Hartford places second, while Simply Business rounds out the top three.
Professional Liability Insurance in Louisiana
NEXT earns the highest score of 4.74 out of 5 in our analysis of the best professional liability insurance in Louisiana.
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Updated: November 3, 2025
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Best Professional Liability Insurance in Louisiana: Key Takeaways
NEXT is our top pick for professional liability insurance in Louisiana, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Louisiana professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Louisiana.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in Louisiana
| NEXT Insurance | 4.74 | $84 |
| The Hartford | 4.69 | $83 |
| Simply Business | 4.52 | $89 |
| biBERK | 4.48 | $90 |
| Coverdash | 4.46 | $90 |
| Progressive Commercial | 4.40 | $88 |
| Hiscox | 4.40 | $88 |
| Thimble | 4.25 | $88 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability alone won't fully protect your Louisiana business. Understanding how different coverage types work together creates stronger financial protection for small businesses.
Best Louisiana Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Louisiana businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$84These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$83These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Louisiana
The Hartford provides solid options for cheap professional liability insurance in Louisiana at $83 monthly ($1,000 annually). NEXT offers another affordable option for business owners at $84 per month.
| The Hartford | $83 | $1,000 |
| NEXT Insurance | $84 | $1,008 |
| Thimble | $88 | $1,050 |
| Progressive Commercial | $88 | $1,058 |
| Hiscox | $88 | $1,059 |
| Simply Business | $89 | $1,069 |
| Coverdash | $90 | $1,082 |
| biBERK | $90 | $1,084 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Louisiana
Professional liability insurance costs $88 monthly ($1,051 annually) in Louisiana, which is $10 more than the national average. Home-based businesses pay around $42 per month, while mortgage brokers average $184. Your final rate depends on factors like business location, claims history and coverage limits.
| Accountants | $163 | $1,959 |
| Ad Agency | $127 | $1,529 |
| Auto Repair | $94 | $1,127 |
| Automotive | $85 | $1,022 |
| Bakery | $60 | $716 |
| Barber | $47 | $569 |
| Beauty Salon | $56 | $667 |
| Bounce House | $67 | $798 |
| Candle | $47 | $561 |
| Cannabis | $137 | $1,640 |
| Catering | $87 | $1,049 |
| Cleaning | $63 | $756 |
| Coffee Shop | $69 | $829 |
| Computer Programming | $114 | $1,362 |
| Computer Repair | $73 | $881 |
| Construction | $86 | $1,031 |
| Consulting | $121 | $1,454 |
| Contractor | $71 | $855 |
| Courier | $60 | $721 |
| DJ | $50 | $604 |
| Daycare | $120 | $1,446 |
| Dental | $102 | $1,229 |
| Dog Grooming | $62 | $741 |
| Drone | $121 | $1,453 |
| Ecommerce | $71 | $848 |
| Electrical | $80 | $955 |
| Engineering | $114 | $1,374 |
| Excavation | $76 | $911 |
| Florist | $42 | $502 |
| Food | $117 | $1,400 |
| Food Truck | $67 | $800 |
| Funeral Home | $88 | $1,061 |
| Gardening | $45 | $535 |
| HVAC | $93 | $1,117 |
| Handyman | $61 | $735 |
| Home-based business | $42 | $501 |
| Hospitality | $83 | $995 |
| Janitorial | $55 | $663 |
| Jewelry | $69 | $828 |
| Junk Removal | $76 | $914 |
| Lawn/Landscaping | $58 | $697 |
| Lawyers | $165 | $1,975 |
| Manufacturing | $67 | $802 |
| Marine | $101 | $1,206 |
| Massage | $117 | $1,406 |
| Mortgage Broker | $184 | $2,213 |
| Moving | $91 | $1,089 |
| Nonprofit | $57 | $685 |
| Painting | $71 | $852 |
| Party Rental | $61 | $731 |
| Personal Training | $80 | $962 |
| Pest Control | $106 | $1,275 |
| Pet | $53 | $638 |
| Pharmacy | $70 | $846 |
| Photography | $71 | $852 |
| Physical Therapy | $106 | $1,270 |
| Plumbing | $100 | $1,205 |
| Pressure Washing | $66 | $794 |
| Real Estate | $140 | $1,679 |
| Restaurant | $93 | $1,110 |
| Retail | $63 | $752 |
| Roofing | $106 | $1,278 |
| Security | $113 | $1,358 |
| Snack Bars | $54 | $653 |
| Software | $105 | $1,258 |
| Spa/Wellness | $125 | $1,497 |
| Speech Therapist | $112 | $1,343 |
| Startup | $81 | $966 |
| Tech/IT | $109 | $1,309 |
| Transportation | $107 | $1,279 |
| Travel | $108 | $1,299 |
| Tree Service | $85 | $1,017 |
| Trucking | $124 | $1,486 |
| Tutoring | $68 | $812 |
| Veterinary | $133 | $1,592 |
| Wedding Planning | $86 | $1,028 |
| Welding | $87 | $1,042 |
| Wholesale | $69 | $825 |
| Window Cleaning | $69 | $831 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Louisiana?
Professional liability insurance requirements differ by profession in Louisiana, with some fields like healthcare and law facing mandatory coverage rules. Even when not legally required, your coverage amount should reflect your risk exposure and client expectations. Higher-risk professions typically carry at least $1 million per occurrence and $3 million aggregate coverage.
Your coverage decision depends on three factors:
Your Industry Risk
High-risk fields like oil and gas consulting in Baton Rouge or technology services in New Orleans require higher coverage limits due to complex projects and substantial client investments. Real estate or accounting services needing professional liability insurance in smaller Louisiana markets may need less coverage since their potential errors generally result in smaller financial impacts.
Client Requirements
Many clients and contracts in Louisiana require proof of professional liability insurance at specific minimum limits before you can begin work. Corporations, government contracts, and large organizations throughout Louisiana often mandate coverage levels between $1 million and $2 million per claim. Meeting these requirements is essential for securing contracts with major Louisiana employers and government agencies.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Louisiana. Small mistakes might result in minor damages and legal fees totaling thousands of dollars, while errors on major projects could lead to six-figure damages plus attorney costs that can easily exceed $100,000. When choosing coverage limits, consider both the size of your projects and the potential ripple effects of professional errors.
How to Get the Best Professional Liability Insurance in Louisiana
Our step-by-step guide to getting business insurance that matches your Louisiana professional liability needs and budget.
- 1Evaluate Your Risk Exposure
Different businesses face varying liability risks in Louisiana. A regional architect typically needs higher coverage limits than a solo marketing consultant. Review your industry standards and any coverage requirements in client contracts.
- 2Find a Local Agent
Look for an agent who knows Louisiana's business landscape and understands how small business insurance cost varies by location and industry. Local expertise helps match your coverage to regional industry demands and state regulations. They understand which insurers work best for Louisiana businesses.
- 3Collect Multiple Quotes
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like exclusions and deductibles. A $1 million policy from one company may have different terms than another.
- 4Check insurer reputation
When researching small business insurance in Louisiana, look beyond price. Research each company's financial strength and claims handling record. Look for AM Best ratings of A- or higher. Read reviews from other professionals in your field to gauge real-world experience.
- 5Explore bundling options
Many insurers offer discounts when you combine professional liability with other types of small business insurance coverage, like general liability or business owner's coverage. Bundling can reduce your total insurance costs while simplifying policy management.
- 6Maintain continuous protection
Professional liability policies only cover claims filed while active. Gaps in coverage leave you exposed to past work liability. Secure tail coverage or ensure prior acts protection when switching insurers.
How to Prevent Professional Liability Claims in Louisiana
Professional liability claims usually result from poor communication and vague client expectations rather than genuine mistakes. Small disputes can still trigger expensive legal battles costing thousands. These proven strategies help Louisiana businesses prevent conflicts and avoid costly claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and client approvals. This documentation helps prevent disputes by providing a clear record of what was agreed upon. Having detailed records protects your business when questions arise about project decisions or deliverables.
Use Detailed Contracts With Clear Scope
Create contracts that clearly define responsibilities, timelines and deliverables for every project. Outline what work is included and what falls outside the scope to avoid conflicts over additional services. Well-written contracts set boundaries and protect both you and your clients from misunderstandings.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before moving forward with the work. Document how these changes affect timelines, budgets and final deliverables. This practice ensures everyone understands the impact of modifications and prevents disputes over unexpected costs or delays.
Set Realistic Expectations Upfront
Be transparent about project timelines, potential challenges and expected results from the beginning. Being honest about your capabilities helps avoid overpromising and reduces the chance of client disappointment. Clear expectations create stronger professional relationships and fewer disputes.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional choices. This documentation demonstrates your diligence and provides strong protection if your work is later questioned. Detailed records show you followed proper procedures and made informed decisions throughout the project.
Louisiana Professional Liability: Bottom Line
Choosing professional liability insurance in Louisiana requires understanding your business risks and client needs first. NEXT leads our rankings, but your industry, contracts and budget matter more than scores alone. Assess your specific requirements, then consult a local agent to compare coverage options that deliver solid financial protection for your business.
Louisiana Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Louisiana.
What does professional liability insurance cost in Louisiana?
Professional liability insurance in Louisiana costs between $83 and $90 monthly. Your actual premium depends on your industry's risk level, claims history, coverage limits and business location, with rates varying significantly between providers and individual circumstances.
Which professional liability insurance company is best in Louisiana?
NEXT ranks as the top professional liability insurance provider in Louisiana with a 4.74 out of 5 score for affordable coverage and strong customer service. The Hartford follows closely at 4.69, while Simply Business rounds out the top three at 4.52, providing solid options for Pelican State professionals.
How much professional liability coverage do I need in Louisiana?
Professional liability coverage needs in Louisiana depend on your industry's risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants typically need higher coverage limits, while businesses with lower exposure may require less protection to adequately safeguard their operations.
What's the difference between professional liability and E&O insurance?
Professional liability and errors and omissions (E&O) insurance both cover mistakes in your professional services. The different names come from industry preferences. lawyers often say E&O while healthcare providers say professional liability, but the financial protection works the same way.
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
- Alliance Health. "Provider Insurance Requirements." Accessed November 6, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed November 6, 2025.