720-791-2700
720-791-2700
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Louisiana's combination of coastal exposure, demanding contractor licensing requirements, and complex motor carrier regulations requires a commercial broker with both market access and state-specific expertise.
Louisiana presents a distinctive set of commercial insurance challenges: a Gulf Coast geography that creates significant catastrophic weather exposure, a contractor licensing system with mandatory insurance requirements built directly into state law, and commercial auto regulations that vary significantly by vehicle type and weight. Crawford-Hill is licensed in Louisiana and places commercial coverage for Louisiana-based operations and out-of-state businesses with Louisiana exposure.
Louisiana metro areas served: New Orleans · Baton Rouge · Lafayette · Shreveport · Lake Charles · Metairie
Motor Carrier and Trucking Requirements: Louisiana's commercial auto minimums are 15/30/25 for standard business vehicles. For commercial motor vehicles, requirements escalate: interstate semi-trucks over 10,000 lbs with a USDOT number require $750,000 CSL minimum; passenger-carrying vehicles require 250/500/10; tow trucks require $500,000 CSL minimum; hazardous materials carriers face higher limits based on substance.
Contractor Licensing and Insurance Requirements: Louisiana requires general liability insurance as a condition of contractor licensing. Residential contractors need minimum $100,000 GL; mold contractors minimum $50,000; home improvement contractors minimum $100,000. All must submit current workers' comp certificates as part of licensing. Crawford-Hill provides certificate management and proactive renewal services for Louisiana contractor clients.
⚠ Coastal and Flood Exposure in Louisiana: Louisiana's Gulf Coast geography creates flood, storm surge, and wind exposure that standard commercial property policies routinely exclude or severely limit. Businesses in coastal parishes or FEMA-designated Special Flood Hazard Areas need careful coverage review. Crawford-Hill structures programs that address coastal exposure — including E&S market placements for risks admitted carriers will not write.
Crawford-Hill Insurance Agency is licensed in Louisiana and places commercial coverage for Louisiana-based operations and businesses with Louisiana exposure.
Call: 720-791-2700 · Email: solutions@crawford-hillinsurance.com · Get a Free Commercial Coverage Review · Request a Quote
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