Personal auto policies explicitly exclude vehicles used for business purposes. If you're in an accident while making a delivery, transporting crew, or operating a company vessel, a personal policy will likely deny the claim. Commercial auto insurance is specifically designed for business use - it covers higher liability limits, multiple drivers, vehicles titled to a business entity, and commercial operations like fishing, offshore support, and contracting that personal policies will not cover.

Yes - this is exactly the exposure hired & non-owned auto (HNOA) coverage is designed for. When an employee uses their personal vehicle on company business and causes an accident, your business can be held liable as the employer. The employee's personal auto policy is primary, but if their limits aren't enough, your business is exposed. HNOA coverage steps in to fill that gap. It's an inexpensive endorsement relative to the risk it covers, and any business that has employees drive for work - even occasionally - should carry it.

The LA statutory minimum is $15,000/$30,000 BI and $25,000 PD - far too low for any real business exposure. Most commercial insurers and fleet operators carry $500,000 to $1,000,000 combined single limit (CSL). If your vehicles or vessels support offshore operations, additional federal and USCG minimums may apply. If your policy is the target of a serious injury lawsuit, inadequate limits expose your business assets directly. We'll recommend limits based on your industry, vehicle types, and overall risk profile.

Louisiana does not have a no-fault PIP requirement like New Jersey, but Medical Payments coverage is highly recommended for commercial autos and vessels. It pays medical expenses for drivers and passengers regardless of fault and is especially important for crews working in remote coastal and offshore environments where medical access can be delayed. We'll help you choose a limit that reasonably protects your team without inflating your premium.

Yes. A commercial auto policy can schedule multiple vehicles of different types - trucks, vans, SUVs, trailers, and even small vessels - under a single policy with shared liability limits and individual physical damage deductibles per vehicle. This simplifies renewal, billing, and certificate issuance considerably. If your fleet includes vehicles over 26,001 lbs GVW or operating under federal authority, those may require a separate endorsement - we'll sort that out based on your actual vehicle list.

Yes - we handle Louisiana state, USCG, and federal filings same-day. The most common are MCS-90 endorsements for interstate carriers, proof of financial responsibility for commercial fishing vessels, and SR-22 filings when required. The specific filing depends on your operations, cargo, and whether you support offshore platforms. Tell us your details when you call and we'll confirm exactly what's needed and file it with your new policy.

Significantly. Carriers pull motor vehicle records (MVRs) for all listed drivers and rate each one based on violations, at-fault accidents, and license history. A single major violation (DUI, reckless driving, serious speeding) on a driver's record can raise your overall premium or make that driver unacceptable to certain carriers. We review MVRs early in the quoting process so there are no surprises at binding, and we'll match your driver profile to carriers who underwrite it most favorably. Maintaining a written MVR monitoring policy for your drivers is also good risk management practice.