Category: Commercial Insurance

A commercial insurance policy can provide crucial support for your business’s financial well-being. One of the most frequently asked questions at MultiSurance is the extent of coverage required. Business owners in New Orleans, LA, often inquire if investing in commercial insurance is necessary and how much they should get. Interestingly, some forms of commercial insurance are mandatory in New Orleans. Here’s what you need to understand about the commercial insurance requirements for your business.

What Commercial Insurance Does My Business Absolutely Need?

As a business owner operating in New Orleans, it’s essential to know that two types of commercial insurance are legally required: workers’ compensation and commercial auto insurance. If you have employees, workers’ compensation is essential as it safeguards your employees in case of mishaps or illnesses that happen on the job, offering protection for you as well. On the other hand, commercial auto insurance protects your commercial vehicles and those who drive them, offering coverage for accidents, property damage, theft, and similar situations. It’s also noteworthy that some policies, like general liability insurance, may not be legally required but could be mandated by commercial property owners.

Secure Appropriate Coverage for Your Needs with MultiSurance

Whether you’re seeking an insurance policy that caters to your basic legal necessities or exploring more comprehensive coverage options for your business in New Orleans, LA, we’re here to help! Get a quote from us today, or reach out if you need any queries addressed before choosing the right commercial insurance policy.

Maintaining a work truck is an important part of job productivity and safety here in the New Orleans, LA area.

Here are some tips from us at MultiSurance to help keep your work truck running smoothly: 

1. Regular Maintenance:

If you want to get the longest life out of your truck, it is essential to stay up-to-date with regular maintenance like oil changes, tire rotations, and brake inspections. This will ensure that all components of your vehicle are in good working order and can alert you to any potential problems before they become more serious. 

2. Proper Loading & Securing:

Make sure that any items loaded into your work truck are securely fastened down with appropriate straps or bungee cords. This will prevent them from shifting around while driving and causing damage or an accident. Additionally, don’t overload the bed of the truck; follow the manufacturer’s guidelines for maximum load capacity. 

3. Watch Your Fuel Level:

Keeping track of fuel levels can help prevent unexpected breakdowns caused by running out of gas unexpectedly. Make sure to fill up whenever you get near the half-tank mark or just try to make it a habit to refuel every few days or so depending on how much driving you do regularly. 

4. Cleanliness Is Key:

Keep your work truck clean inside and out — it not only looks better but also helps keep the dust, debris, and other particles away from the engine compartment which can cause damage over time if left unchecked. A thorough wash and wax job at least once a year should do the trick! 

Reach Out To Us

For more tips, give us at MultiSurance a call today. We are proud to serve the New Orleans, LA area and would be happy to help you.