Commercial

General Liability

Owning your own business is a giant life milestone. Having control of your time, obligations, and income has huge advantages; however, it also comes with a lot of responsibility. Because of this, general liability is one of the most universal policies on the market today. It provides coverage for liability issues resulting from personal and advertising injury, including medical
expenses.

It includes coverage for accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Your Safe Lily Insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Business Property Protection from

● Fire
● Theft
● Vandalism

Claims Protection from

● Bodily injury
● Property Damage
● Negligence

Commercial Vehicle

When your company’s needs include new company cars or even a company fleet, that could mean your company’s insurance needs are a bit different too. The best type of auto insurance policy for your business depend on the type of driving your employees do. Our agents will sit down with you and explain your business’s vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some
employees will be using their own cars for company work and travel.

Ensuring that you are not personally liable for any incident concerning one of your company’s cars will give you a calmness as well as protecting you, your business, and you employee.

We understand that you may have questions or concerns about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search for the best rate.

Workers Compensation

All employers in Louisiana are required to provide workers compensation insurance to ensure coverage for employees if they are injured or get sick on the job. If you don’t, you could face penalties that include severe fines, criminal prosecution, and the inability to operate a business in the state.

No matter what type of business you run, you have a legal obligation to keep your staff safe while at work. Louisiana workers compensation coverage pays for medical care and physical rehabilitation for injured employees while also helping to replace lost wages. It can also provide benefits for the dependents of employees who lose their life due to work-related accidents or illnesses.

At Safe Lily Insurance, we can help you find a policy that works for your business and is
affordable for you. Because we are an independent insurance agency, we can shop large insurance providers for you and offer you a customized plan and very reasonable pricing. Our customized solutions can provide coverage for:

● Medical expenses
● Lost income/wages
● Rehabilitation costs
● Death benefits