Best Professional Liability Insurance in Louisiana (2025)

Updated: December 2, 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.

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Industry

State

Best Professional Liability Insurance Companies in Louisiana

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.


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.

Overall Best Provider

MoneyGeek Rating

4.7/ 5

4.7/5Affordability

4.7/5Customer Experience

4.8/5Coverage Points

Average Monthly Premium
$84
Our Survey: Claims Process
3.9/5
Our Survey: Recommend to Others
4.8/5

pros
- Top customer service ranking in Louisiana
- Second-most affordable option in the state
- Instant certificates and easy digital policy management
- Backed financially by Munich Re
cons
- Newer provider with operations beginning in 2016
- Some customers report slower processing during policy updates or claims
NEXT offers strong digital convenience and dependable customer service for professional liability insurance in Louisiana. It ranks first for customer service and second for affordability, making it a solid option for small businesses that prefer fast, online policy management.

Its platform enables easy quote generation, quick certificate access and straightforward policy updates.

Although NEXT performs well in digital tools and policy handling, its shorter track record may be a consideration for businesses that prefer working with long-established insurers or traditional agents.
Overall Score 4.74 1
Affordability Score 4.73 2
Customer Service Score 4.70 1
Coverage Score 4.80 2
Stability Score 4.78 6
It provides competitively priced professional liability coverage in Louisiana, with average premiums at $84 per month ($1,008 per year). It offers the lowest rates across 18 industries, including construction, consulting, real estate and retail.

As the state’s second most affordable provider, NEXT delivers a strong blend of reasonable pricing and excellent customer service. Actual premiums depend on your business type, chosen coverage limits and claims history.
Data filtered by:
Industry
Accountants
Accountants $156 2


Overall Score	4.74	1
Affordability Score	4.73	2
Customer Service Score	4.70	1
Coverage Score	4.80	2
Stability Score	4.78	6


Accountants	$156	2

NEXT performs well in overall customer satisfaction, with policyholders likely to recommend the company and renew their coverage. Its digital platform supports instant certificate creation and 24/7 account access, helping reduce administrative delays.

While NEXT’s online tools are a major strength, some customers report slower claims processing compared to other providers. The company holds a B rating from the Better Business Bureau, reflecting both positive business practices and areas where service can improve.


Overall Customer Score	4.45	1
Claims Process	3.90	4
Customer Service	4.20	4
Digital Experience	4.80	1
Overall Satisfaction	4.40	2
Policy Management	4.30	1
Recommend to Others	4.80	1
Renewal Likelihood	4.60	1

NEXT offers professional liability policies with coverage limits from $250,000 to $2 million per occurrence, serving a wide range of business sizes in Louisiana. Coverage can be tailored to industry needs, and the company provides options for more than 1,300 professions.

Standard exclusions apply, such as no coverage for intentional acts, criminal activity or independent contractor liability. Businesses that need cyber liability or other specialized protection must purchase those policies separately.

The Hartford

Runner-Up for Best Provider

MoneyGeek Rating

4.7/ 5

4.8/5Affordability

4.6/5Customer Experience

4.7/5Coverage Points

855-961-1962

Average Monthly Premium
$83
Our Survey: Claims Process
4.5/5
Our Survey: Recommend to Others
4.5/5

pros
- Most affordable professional liability rates in Louisiana
- Ranks second statewide for customer service
- A+ Superior AM Best rating showing strong financial stability
- Digital platform with instant certificate access
cons
- Fewer coverage options than some top competitors
- Lower satisfaction scores in national studies
- Occasional service delays for more complex business needs
The Hartford is a leading professional liability provider in Louisiana, offering dependable customer service, strong financial stability and a solid digital platform. It ranks first for affordability and second for customer service, making it a strong choice for businesses that want reliable coverage backed by a well-established insurer.

Although The Hartford offers fewer coverage options than some competitors, its claims handling and policy management tools make it a trusted option for Louisiana professionals seeking consistent protection.
Overall Score 4.69 2
Affordability Score 4.76 1
Customer Service Score 4.55 2
Coverage Score 4.70 3
Stability Score 4.98 1
It provides some of the lowest professional liability rates in Louisiana, averaging $83 per month ($996 annually). It ranks first for affordability across 42 industries, including accounting, legal services and health care.

Its strong balance of competitive pricing and dependable service makes The Hartford appealing to cost-conscious professionals who still want high-quality coverage.
Data filtered by:
Industry
Accountants
Accountants $144 1


Overall Score	4.69	2
Affordability Score	4.76	1
Customer Service Score	4.55	2
Coverage Score	4.70	3
Stability Score	4.98	1


Accountants	$144	1

The Hartford receives positive feedback for its customer service, with policyholders noting strong claims support and overall satisfaction. Many customers recommend the company to others, showing confidence in its service quality.

Its online platform offers 24/7 policy access, though its digital experience scores slightly lower than a few competitors. The Hartford holds an A+ rating from the Better Business Bureau, reinforcing its commitment to helping customers resolve issues quickly.


Overall Customer Score	4.38	2
Claims Process	4.50	1
Customer Service	4.70	1
Digital Experience	3.80	10
Overall Satisfaction	4.50	1
Policy Management	4.20	4
Recommend to Others	4.50	2
Renewal Likelihood	4.40	2

The Hartford provides flexible professional liability coverage that includes protection for errors and omissions, negligence claims and legal defense costs. Businesses can add optional protections such as cyber liability and employment practices coverage.

The company offers industry-specific enhancements and risk management tools to help reduce the likelihood of claims. While The Hartford customizes coverage for many professions, certain specialized industries may need additional endorsements or alternative carriers for broader protection.

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 come from MoneyGeek’s analysis of small businesses with two employees across 79 major industries and are meant only as estimates, not quotes. Your actual cost will vary based on your business details. For precise pricing, reach out to insurers directly.

How Much Professional Liability Insurance Do I Need in Louisiana?

Professional liability requirements vary by profession in Louisiana, and certain fields, such as health care and law, must carry coverage. Even when it isn’t required, your coverage limit should match your risk level and client expectations.

Many higher-risk professions choose at least $1 million per occurrence and $3 million in 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.

1
Evaluate 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.
2
Find 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.
3
Collect 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.
4
Check 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.
5
Explore 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.
6
Maintain 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.

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sources

Alliance Health. "Provider Insurance Requirements." Accessed December 22, 2025.
Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed December 22, 2025.