Dwelling

Renters Insurance

Renters insurance can provide you with needed financial protection against adverse circumstances, whether it’s covering your personal belongings in case of damage or ensuring you’re protected if someone is injured in your residence. If you need renters insurance, we’re here to help. Contact us today to learn more about your renters insurance options or to get a quote.

What Is Renters Insurance?

Renters insurance provides protection against property loss and liability if you cause injury or property damage. To learn more about what that means, we’ve covered some basics about each.

• Property protection—Renters insurance covers your possessions against damage for things such as fire, smoke, lightning, vandalism, theft and water damage—but not flooding—to name a few. It also extends beyond on-premise theft and hazards, covering property that is stolen from your car or lost or damaged anywhere you happen to be. Talk to your agent today to learn more additional property protection options, such as flood and earthquake insurance and scheduled items riders.
• Liability protection— The liability portion of a renters insurance policy helps protect against claims of third-party bodily injury or property damage caused by you or another person listed as insured on your policy. It may also help pay for medical bills if someone has an injury in your rental. Liability also provides coverage for legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence, or elsewhere.

Some renters insurance policies pay a tenant’s temporary living costs if they need to live elsewhere because of a fire, severe storm or other covered disaster. This coverage may include hotel bills, temporary rentals, restaurant meals and other living expenses. Talk with your insurer about whether your renters insurance has this inclusion.

How to Get Renters Insurance

Whether you call a rented house, condo or apartment your home, you can benefit from renters insurance. Call us today to learn more about renters insurance or to get a no-obligation quote.

Workers’ Compensation Insurance in Marrero, LA

Employers must account for many risks and exposures while operating their organizations and managing workers. Regardless of your business’s size or the industry in which it operates, employees may be subject to inherent dangers, even in relatively low-risk environments, such as offices. That’s why workers’ compensation insurance is one of the most integral components of most business insurance portfolios.

What Is the Purpose of Workers’ Compensation Insurance?

As its name suggests, these policies are designed primarily to help compensate workers who have been injured on the job or developed work-related illnesses. This may include sprains, strains, fractures, contusions, burns, lacerations and repetitive stress injuries. Even employees who primarily sit at a desk all day may suffer injuries at work, such as by slipping on a wet floor on their way to the bathroom or by sustaining a stress injury due to poor ergonomics. Workers’ compensation policies may also include employers liability coverage, which can help in the event of legal claims submitted by an injured employee.

What Do Workers’ Compensation Policies Cover?

Workers’ compensation insurance payouts can cover many losses and expenses from on-the-job ailments. While the exact details of your policy may vary, you can generally expect coverage to include potential aid for the following:

• Medical expenses, such as if injured or ill employees require health care services following work-related incidents

• Wage replacement, such as if an affected employee’s ability to work is adversely impacted by their ailment

• Disability benefits, including ongoing financial assistance for employees who are temporarily or permanently disabled due to a work-related incident

• Vocational rehabilitation, such as training costs, should employees be unable to return to their previous job and need to acquire skills for a different position

• Death benefits, such as compensation paid out to an employee’s family should a workplace accident be fatal

• Employer legal costs, such as attorney fees, settlements and judgments, should affected employees sue your business

Do You Need Workers’ Compensation Insurance?

Yes, workers’ compensation insurance is typically required for most employers in California. Even if your company qualifies for an exemption from legal mandates, this type of policy should be a top priority. Without adequate coverage, your employees may not be able to recover and return to work following accidents and your company could face costly lawsuits.

We’re Here to Help

Contact Boudreaux & Associates Insurance Agency, Inc. today to learn more about workers’ compensation coverage or to compare quotes.

General Liability Insurance in Marrero, LA

As a business owner in Houma, Louisiana, safeguarding your enterprise’s financial interests is essential. General liability insurance is crucial for covering your business against many common risks. Whether you operate a small retail store, a construction firm or a professional service, securing general liability insurance is a strategic business decision.

At Boudreaux & Associates Insurance Agency Inc., we prioritize honesty and respectful customer service. Our tailored coverage can ensure you receive the best insurance solutions for your business needs.

What Is General Liability Insurance?

General liability insurance is a type of insurance that may provide financial protection for your business against incidents affecting other parties caused by your operations. It can also help cover legal fees, settlements and judgments related to these claims. It provides coverage for various risks, including:

• Third-party property damage—If your business accidentally damages someone else’s property, this can help cover the cost of repair or replacement.

• Third-party bodily injury—Should a third party sustain bodily injury due to your business operations, this coverage can pay for their medical expenses.

• Personal and advertising injury—This may cover your business if you face legal action related to personal or advertising injury such as slander, libel or copyright infringement claims.

How Much Does My Policy Cost?

The cost of general liability insurance can vary based on factors such as the size and type of your business, location and coverage needs. To get an accurate quote tailored to your business, contact us today.

Why Is Coverage Important?

While general liability insurance isn’t typically required by law, some business licenses and landlords may require proof of coverage. General liability insurance can help protect your business from unexpected financial losses and ensure you can continue operations without significant disruptions.

How to Get the Right Insurance

Our team at Boudreaux & Associates Insurance Agency Inc. is here to help you secure the general liability insurance your business needs. Contact us today for more information or to request a quote tailored to your business requirements.

Homeowners Insurance in Marrero, LA

When home accidents or other unforeseen events occur, homeowners need funds to repair damage, replace belongings or safeguard against liability claims. That’s why home insurance is a crucial investment. It may provide necessary funds in case of fire, theft or other mishaps. Having a policy can help you prepare for unexpected events that could otherwise lead to financial hardship.

When Is Home Insurance Required?

Lenders typically require home insurance if you have a mortgage. They require it to protect their financial stake in the property. Even if you’re not mandated to have it, purchasing a policy is recommended to help mitigate against various risks.

What Does Home Insurance Cover?

Standard home insurance policies generally include the following:

• Dwelling coverage may cover the structure of your home, including walls and built-in appliances, from perils like fire and vandalism.
• Personal property coverage may pay for the replacement or repair costs of your possessions, such as clothing, furniture and electronics, if damaged or stolen.
• Liability protection may provide financial aid if someone is injured on your property or if you accidentally damage someone else’s property.
• Additional living expenses may reimburse the cost of meals, temporary housing and other losses if your home becomes uninhabitable due to a covered incident.

How Are Rates Calculated?

Many factors influence homeowners insurance rates. Insurers typically consider your home’s age and location, the materials used in its construction and its proximity to potential risks. Your policy’s coverage limits and the deductible you choose also impact your premium. Homes with safety features like fire alarms, security systems or modernized roofing often qualify for discounts, as these features lower the likelihood of damage or loss.

Learn More

Contact Boudreaux & Associates Insurance Agency, Inc. today to learn more about homeowners insurance. Our knowledgeable agents are ready to discuss affordable options.

Motorcycle Insurance in Marrero, LA

Motorcyclists, like car drivers, need insurance. Accidents can lead to costly expenses, so securing financial protection is crucial. A motorcycle insurance policy may provide vital financial support in case of an accident, damage or other mishaps.

Why Do I Need Motorcycle Insurance?

Louisiana motorcyclists are legally mandated to purchase liability insurance that meets the state’s minimum requirements. You must carry this proof of insurance at all times. Otherwise, you may face fines, vehicle impoundment or license suspension.

State laws mandate minimum amounts for bodily injury liability and property damage liability in a motorcycle insurance policy.

• Bodily injury liability may cover medical bills and lost wages from third-party injuries caused while riding.

• Property damage liability may compensate for third-party property damage caused while riding.

What Does Motorcycle Insurance Cover?

Beyond liability coverage, standard policies often include the following essential protections:

• Collision coverage may reimburse your bike’s repair or replacement costs after an accident.

• Comprehensive coverage may provide financial aid after noncollision events like fire or theft.

• Medical payments coverage may pay for ambulance rides and other medical expenses for you and your passengers after an accident.

• Uninsured/underinsured motorist coverage may pay for medical care for you and your passengers if you’re in a hit-and-run, or after an accident with an uninsured or underinsured driver.

You can enhance your motorcycle insurance policy by adding optional coverage like the following:

• Roadside assistance coverage may help with towing, fuel delivery, flat tire assistance and other services.

• Accessories coverage may pay for the repair or replacement costs of your bike’s aftermarket parts and accessories if they are stolen or damaged due to a covered event.

Consult an insurance agent to help assess your coverage needs and find policies that offer the best combination of coverage and price.

Where Can I Buy Motorcycle Insurance Near Me?

Boudreaux & Associates Insurance Agency, Inc. helps clients in Marrero, Louisiana, and nearby communities find their ideal policies. Contact us today for a customized motorcycle insurance quote and to speak with an insurance agent.

Recreational Vehicle Insurance in Marrero, LA

RV and boat owners can face substantial losses caused by unexpected risks and liability claims. At Boudreaux & Associates Insurance Agency, Inc., we can help you find coverage that fits your budget and circumstances.

What Do These Policies Offer?

Standard RV and boat insurance policies can include the following coverages:

• Liability coverage can cover third-party bodily injury or property damage claims.

• Comprehensive coverage can help pay for your vehicle’s repair costs after a fire, weather damage, theft or vandalism.

• Collision coverage can cover damage caused by hitting a dock, object, vehicle, or watercraft.

• Uninsured/underinsured motorist coverage can provide coverage if an at-fault driver with no insurance hits you.

• Personal property coverage can insure your appliances, furniture and other belongings you store or transport in your boat or RV.

Are These Required?

In Louisiana, RV drivers and boat owners must carry minimum amounts of bodily liability and property damage coverage. Your lender may also require full coverage insurance if you’re financing your vehicles. In addition, some marina owners may require boat liability coverage.

How Much Can These Policies Cost?

Your insurer may consider these factors when quoting you for rates:

• Location

• Driving history (for RV insurance)

• Boating history (for boat insurance)

• Prior claims

• RV model and type

• Watercraft type and horsepower

• Policy limits and coverage types

Get Covered Today

Contact Boudreaux & Associates Insurance Agency, Inc. to learn more about your insurance options or request a personalized quote.

Business Insurance

Business insurance, also called commercial business insurance or commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.

Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call Boudreaux & Associates Insurance Agency, Inc. today to learn more or to get a free, no-obligation quote.

Business Insurance Policies

Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:

• General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
• Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
• Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
• Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
• Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
• Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.

Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact Boudreaux & Associates Insurance Agency, Inc. today to discuss your insurance needs.

How to Get Business Insurance

If you need business insurance solutions, we’re here to help. Give Boudreaux & Associates Insurance Agency, Inc. a call today to get started.

Commercial Property Insurance in Marrero, LA

Every business owner knows their physical assets are crucial to their operation’s success. Whether you own or lease your business space, having the right insurance coverage can mean the difference between recovering from a loss and facing devastating financial consequences.

At Boudreaux & Associates Insurance Agency, Inc., we’re here to help you understand and secure the commercial property coverage your business needs.

What Is Commercial Property Insurance?

Commercial property insurance is designed to financially assist businesses in recovering from property damage or loss. This coverage may extend to your building, its contents and even outdoor signage. It acts as a financial cushion when unexpected events threaten your business’s physical assets.

What Does It Cover?

What commercial property insurance covers will vary depending on your needs and situation. A commercial property insurance policy may include the following coverages:

• Building coverage may help pay for repairs or rebuilding if your commercial property is damaged by covered events like fire or severe weather.

• Business personal property coverage may assist in replacing items such as furniture, equipment and inventory if they’re damaged or destroyed by covered perils.

• Outdoor sign protection may help cover the cost of repairing or replacing your business’s exterior signage.

• Equipment breakdown coverage may help with repairs or replacement if essential business equipment fails.

• Business interruption coverage may help replace lost income if a covered event forces you to close your business temporarily.

Remember that policy details can vary, and working with insurance experts is crucial to ensure your specific business needs are met.

Ready to Secure Your Business Property?

Contact Boudreaux & Associates Insurance Agency, Inc. today to learn more about our commercial property insurance solutions. Our experienced team understands the unique needs of Louisiana businesses and can help you find the right coverage at a competitive price.

Flood Insurance in Marrero, LA

Flood insurance can be a crucial safeguard for homeowners, renters and businesses, offering financial protection against the devastating effects of flooding. Standard homeowners insurance policies usually exclude flood damage, but flood insurance is tailored specifically to cover this type of risk.

What Is Flood Insurance?

Flood insurance can financially protect against losses and damages resulting from flooding. It can financially cover damage to your home’s structure, personal belongings and even temporary housing costs if your home becomes uninhabitable. Flood insurance can be obtained through the National Flood Insurance Program (NFIP) or private insurers.

Why Do You Need Flood Insurance?

Flooding can occur anywhere, not just in high-risk areas. Heavy rains, hurricanes, melting snow and even new construction altering natural drainage patterns can lead to flooding. Without flood insurance, you might have to cover substantial repair and replacement costs out of your pocket.

What Does Flood Insurance Cover?

Flood insurance typically covers two main areas: structure and personal property. Structure coverage normally includes the physical structure of your home, such as walls, floors and built-in appliances. Personal property coverage can financially protect your belongings, including furniture, clothing and electronics. Keep in mind that coverage limits and exclusions exist, making it crucial to review your policy details carefully.

Learn More

Flood insurance is a vital component of a comprehensive risk management strategy. By understanding the basics and securing appropriate coverage, you can protect your home and belongings from the financial impact of flooding. Contact Boudreaux & Associates Insurance Agency, Inc. to discuss your flood insurance options.