Business Insurance
Protection that keeps you going
Support for Local Businesses
Customized coverage for Louisiana operations.
Your business is more than your livelihood—it’s your legacy. Whether you operate a storefront in Metairie, a service company in Kenner, or an office in New Orleans, you need commercial insurance that actually fits your risk and industry. At Direct Source Insurance, we work with small and mid-sized businesses across Louisiana to build coverage that protects what you’ve built. From property damage to liability concerns, we make sure your insurance supports—not slows—your business.
What Your Business Policy Can Include
Protection beyond your front door.
Commercial Property Insurance
Covers physical damage to your building, signage, and inventory from fire, theft, or storms.
General Liability Coverage
Protects you if someone is injured on your premises or if your business is held liable for damages.
Business Interruption Insurance
Helps cover lost income and operating expenses if you’re forced to temporarily close after a covered event.
Equipment Coverage
Replaces or repairs damaged tools, machinery, and electronics essential to your business.
Optional Add-Ons
Includes cyber liability, commercial auto, or professional liability coverage tailored to your business type.
Why Business Coverage Matters
Risks are real—be ready.
Disasters Can Disrupt Operations
A fire, flood, or break-in could shut your doors—but the right policy helps you reopen with confidence.
Legal Claims Are Costly
Even a single lawsuit can threaten your finances without liability protection in place.
Clients and Landlords May Require It
Many leases and contracts require proof of coverage—don’t let gaps hold you back from growth.
Business Insurance FAQs
Answers for Louisiana owners.
What types of businesses need insurance in Louisiana?
Every business—no matter how small—can benefit from insurance. Whether you’re a contractor, shop owner, restaurant operator, or freelancer, commercial coverage helps protect your income and assets. Louisiana’s weather risks and liability exposure make it especially important. We tailor your policy based on what you do and where you work.
Is flood insurance included in my business policy?
No, standard business insurance does not include flood protection. If your building is located in a flood-prone area like Kenner or New Orleans, you’ll need to add a separate flood policy. We help you combine the right commercial and flood coverage to avoid dangerous gaps. Many businesses don’t realize this until it’s too late—our job is to make sure you’re ahead of it.
How much does business insurance cost in Metairie, LA?
Costs vary depending on your business size, location, services, and risk exposure. A small retail shop will pay less than a contractor with heavy equipment. We’ll gather the details and provide multiple options so you can compare coverage and cost. Our goal is to find the best value without compromising protection.
What’s the difference between general liability and professional liability?
General liability covers bodily injury and property damage that may happen on your premises or as a result of your operations. Professional liability—also known as errors and omissions insurance—covers claims related to the services you provide, like missed deadlines or mistakes in work. We’ll help you decide if you need one, the other, or both based on your industry.
Can I bundle my business insurance with other policies?
Yes, bundling business insurance with other policies—like commercial auto or a personal homeowners plan—can often save money and streamline service. We work with multiple carriers to help you find bundled options that make sense. It’s a great way to simplify coverage while maximizing value.
