As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides cover for damages to third parties; and workers' compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program
that's right for you.
The Landreau Group provides the following types of business insurance
Auto - Commercial
A commercial automobile insurance policy is required
under most circumstances when the vehicle is used for business
purposes and meets certain other requirements. It is not
just the registration that determines the requirement for
a business automobile insurance policy. Other requirements
are ownership by a corporation, use in hauling goods for
hire, and gross vehicle weight of the vehicle. Some small
trucks can be owned and insured under a personal automobile
insurance policy under specific circumstances.
Commercial automobile insurance policies are not regulated
in pricing, as are private passenger policies. There is
price competition between insurance companies for good
commercial automobile insurance.
Auto Insurance Quote
BOP (Business Owners Package)
Business Owners Package policy, commonly called a "BOP" contains
many of the insurance coverages needed by most small businesses.
While these policies are not standard, there is great variation
from insurance company to insurance company; there are
certain common elements. The basic BOP offers business
property for both building and contents, and liability
insurance protection for the operation of your business.
This liability protection will generally include both the
operation of your business, at its established location,
and the liability from your products or completed operations.
Some, but not all of the policies, will also offer business
income and extra expense protection after an insured loss.
BOP policies do not contain all of the coverages needed
by a small business. Notably they do not cover any workers'
compensation, professional liability, or business vehicle
Package Insurance Quote
If your business suffers a property loss it could cause
the business to slow or close down while repairs are made.
This may mean a complete or partial revenue loss depending
on the time frame and the damage. From the time the loss
occurs until your business is running again, insurance
can replace your lost profits, and provide a source of
money to pay your necessary continuing expenses, like rent,
payroll, taxes, etc.
Commercial Property protects your business against the
loss or loss of use of company property. "Property"
can include a variety of types: lost income or business
interruption, buildings, computers, money, and valuable
Commercial Property Insurance Quote
Most package policies provide a liability insurance limit
of $1 million for any one loss and $2 million in any one
year. For many businesses, this limit is inadequate for
real economic security. As a result, additional layers
of protection in million-dollar increments are readily
available in today's insurance market for most businesses.
Contractor's General Liability
Contractor's General Liability insurance is for residential
and commercial builders, general contractors, construction
managers, design and build firms, specialty contractors
or subcontractors, owners or public and private construction
We offer contractor policies for every type of project:
- Builders risk insurance and course of construction
- Liability insurance
- General liability insurance
- Contractor insurance
- Commercial auto
- Workers' compensation
- Railroad protective
- Equipment insurance
- Contractor bond
Contractors General Liability Insurance Quote
Directors & Officers
Directors and Officers Liability Insurance provides financial
protection for the directors and officers of your company
in the event they are sued in conjunction with the performance
of their duties as they relate to the company. Think of
Directors and Officers Insurance as a management Errors
and Omissions policy.
Directors and Officers Insurance is often confused with
Errors & Omissions Liability. The two are not synonymous;
Errors & Omissions is concerned with performance failures
and negligence with respect to your products and services,
not the performance and duties of management. Generally
it is a good idea to carry both Directors and Officers
Liability Insurance and Errors and Omissions Liability
Employment Practices Liability (EPLI)
Employment Practices Liability Insurance otherwise known
as EPLI is insurance that helps protect you against claims
from your employees that result from the general conduct
of your business. Common examples of employee related claims
include claims relating to:
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement
Normally, it is difficult for businesses or general contractors
to work without general insurance. General liability insurance
is intended to guard operators and owners of companies
from claims that may come from a broad spectrum of sources.
These exposures could be just about anything, including
liability engendered by accidents from the operations of
the insured party, contractual liability, products manufactured
by the insured party, etc.
The liability you select, whether it is one, two, or three
million dollars, determines the cost of general liability
insurance. Also factored into the rates are the kind of
work undertaken, gross receipts and total payroll expenses.
Similar to auto insurance, when it comes to general liability
insurance, you will first have to make a down payment and
then follow it up with installments. Before buying general
liability insurance, it is best to compare the quotes available
in the market.
It is the business owner's or general contractor’s
job to make sure that the people working under him/her
are covered by an insurance policy. If for example, a person
who is not a part of the project gets injured, the injured
person’s lawyer can target just about anyone involved
in the project. The more individuals that are involved,
the greater the chances of a successful lawsuit.
General Liability Insurance Quote
Hotel & Motel Hospitality Insurance
Running a hotel in today's competitive environment is
a big challenge. Getting the proper business insurance
at a reasonable price can be frustrating and time consuming.
The Landreau Group offers specialty insurance programs
designed specifically for hospitality industry. We offer
protection that goes beyond the industry standard forms
used by many insurance companies.
If you own an investment property, you should make sure
that you carry adequate insurance coverage. Accidents may
occur and ultimately cause damage to your investment property.
If you do not have the necessary insurance, you will be
responsible for the full financial cost.
Owning an investment property brings with it a large degree
of liability. In addition to the building itself, you may
be responsible for injuries received by others while they
are on your property. You could also be held responsible
for damage to their belongings.
Kidnap & Ransom
As your company expands globally, so do your exposures.
Companies with international operations and executives
or staff who travel internationally may be targets for
kidnappers and extortionists.
While no one can predict where or when a kidnapper or
extortionist might strike, there are steps that you can
take to protect your executives and families and prepare
for a possible threat. A Kidnap & Ransom policy should
be an integral part of your risk management program.
The Kidnap & Ransom policy will provide coverage for
- Ransom and extortion payments as a result of a kidnapping
or extortion threat.
- Loss of the ransom or extortion payment while being
- Expense coverage as a result of a ransom or extortion
demand which includes fees and expenses of independent
negotiators, and travel and accommodation expenses.
- Legal liability coverage protection in the event it
is alleged the insured was negligent in a hostage retrieval.
- Political threat coverage for expenses when a person
is wrongfully detained by anyone acting for a government
or with the government's approval.
Liquor Liability Insurance is designed to provide liability
insurance protection for those businesses who manufacture,
distribute, or sell liquor. You need liquor liability insurance
if you sell liquor and your business is a:
- Fraternal Club
- Convenience Store
- Liquor Store
In today’s challenging healthcare marketplace, we
can help guide you to better results and a higher set of
expectations with our value added services. We understand
your struggle to deliver quality health care and avoid
medical malpractice claims. Working in partnership with
your practice, we will address affordability issues regarding
medical malpractice insurance, while improving safety and
Product liability insurance protects you in case a product
you produce or provide causes harm to a user or a user's
property. A "product" is anything that is tangibly
used, touched, or consumed. This type of insurance is recommended
for every business that manufactures a product, but is
especially important for companies that produce food, clothing,
toys or anything else that could conceivably cause harm
Most business owners policies include limited product
liability coverage. If, for some reason, you do not have
this coverage through a business owner's policy and your
product runs the risk of inflicting harm on other people,
you may need to buy product liability separately. Similarly,
if your product presents a higher risk of injury (for example,
it contains a hazardous material), you may need to purchase
Professional Liability (Errors & Omissions)
Professional liability insurance, also sometimes referred
to as Errors and Omissions, is insurance to protect you
and your company in the event a client alleges they have
suffered a financial loss as a result of an error or an
omission committed by you in the delivery of your professional
services. Professional liability coverage is separate from
a General Liability (GL) policy which would cover you mainly
for bodily injury or property damage liability.
Liability Insurance Quote
The general or public liability policy provides protection
for claims of liability that are made by third parties.
The policy provides defense protection even if the allegations
are groundless. In addition the policy will pay any judgment
up to the policy limit of coverage.
Today’s restaurant environment is more complex than
ever and you want to know you’re covered for the
Whether you run a small cafe or a national chain, you
could be held liable for anything from contaminated or
spoiled food to spilled coffee. That’s why you deserve
an insurance company with commercial restaurant insurance
coverage specifically designed for the risks you face.
Eligible classes include, but are not limited to:
- Fine Dining
- Casual Dining
- Fast Food
- Ethnic Cuisine
- Coffee Shop
- Micro Brewery
Whether you are planning a corporate event, holding a
large rock concert, or organizing a local flower festival,
you will need special event insurance to ensure that you
are covered for unexpected occurrences that may spoil the
success you and your company may receive when the big day
We work with many of the country's top-rated surety companies
- Contract Payment and Performance Bonds
- Fidelity Bonds on Employees
- Code Compliance Bonds
- Judicial and Court Bonds, including estate guardianship
and repletion bonds
- Professional Service Bonds
Many companies are unaware that their current business
and insurance policies most likely do not cover them for
all of their technology-related risks. Our technology insurance
portfolio offers coverage options tailored to fit your
company's unique needs.
In today's technology-driven world, companies face a number
of dynamic exposures. Whether it is faulty software, inappropriate
advice, misconfigured firewalls or inadequate anti-virus
software, hardware failure - companies are increasingly
at risk. Claims are growing rapidly, leaving companies
liable for expensive lawsuits.
Wholesalers & Distributors
The Landreau Group offers a broad range of coverages
that are cost-effective and perfectly tailored for your
business requirements if wholesaling or distributing. Get
coverage specifically designed for today's wholesalers
Our programs for wholesalers and distributors include
exacting risk assessment and loss control expertise that
can help reduce insurance costs for everyone from the small
supplier to the large distributor.
Workers' compensation insurance protects employers from
claims resulting from injuries to employees. It protects
your business from lawsuits and provides employees with
compensation for on-the-job injuries.
By law, most employers are required to provide coverage
for lost wages and medical bills incurred as a result of
on-the-job accidents or illnesses. For many businesses,
this coverage is the largest part of its insurance expense.
Compensation Insurance Quote