Contractor Insurance
in Louisiana
Reliable Coverage for the Bayou State's Hardworking Contractors
From New Orleans to Shreveport, Lafayette to Lake Charles—contractors across Louisiana count on ACI for fast, affordable insurance that keeps them compliant and ready to work. Whether you’re building homes, repairing roofs, or running a family-owned plumbing business, we’ll help you secure the right protection—without the hassle.
Why Louisiana Contractors Choose ACI
Local Expertise
We understand Louisiana’s unique licensing rules, state bond requirements, and contractor insurance laws.
Same-Day Certificates
Need proof of coverage to pull permits or get on the job? We deliver it fast.
Flexible Payment Plans
Only pay 20% down to get started—great for seasonal and self-employed contractors.
Bundled Savings
Combine general liability, workers’ comp, and commercial auto to save up to 25%.
Insurance Coverage We Offer in Louisiana
We provide all the essential policies required for licensed and unlicensed contractors operating across Louisiana.
- General Liability Insurance
Covers property damage, bodily injury, and legal defense costs if a client or third party is harmed due to your work. Required by many Louisiana parishes and licensing boards for residential and commercial projects.
- Workers’ Compensation Insurance
Required for all Louisiana contractors with one or more employees. Covers medical bills, wage replacement, and rehabilitation for injured workers, while shielding your business from legal liability.
- Commercial Auto Insurance
If you drive a truck, trailer, or van for work—even part-time—you’ll likely need commercial auto insurance in Louisiana. This policy protects against accidents, liability claims, and theft of business-use vehicles.
- Tools & Equipment Insurance
Covers stolen or damaged tools, heavy equipment, and jobsite gear. From flooded trailers to hurricane damage, this policy helps protect the tools that keep your projects moving.
- Builder’s Risk Insurance
Temporary property insurance for structures under construction. It covers materials, fixtures, and labor from covered events like storms, fire, and vandalism—especially important in Louisiana’s unpredictable weather conditions.
- Professional Liability Insurance
Ideal for general contractors, architects, and design-build firms. This coverage protects against claims of negligence, project delays, or financial loss due to professional oversight.
Who We Cover in Louisiana
We proudly insure contractors and independent tradespeople throughout Louisiana, including:
- General Contractors
- Roofers
- Electricians
- HVAC Technicians
- Plumbers
Not sure if you’re covered? If you work with tools or manage crews, we likely have a policy for you.
How Much Does Contractor Insurance Cost in Louisiana?
Contractor insurance rates in Louisiana vary depending on your trade, location, and business setup. Whether you’re a roofer in Baton Rouge or an HVAC installer in Lake Charles, your monthly premium will be based on several specific risk factors.
Cost Factors
- Type of Work
Higher-risk trades like roofing, electrical, or structural work typically cost more to insure than lower-risk jobs like painting or finish carpentry.
- Business Size
Contractors with more employees or higher payroll will usually pay more due to increased exposure.
- Coverage Limits
Opting for higher limits gives you better protection, but will increase your premium.
- Claims History
A clean record helps lower your rate, while past claims can increase your cost.
- Location & Risk Profile
Working in coastal or hurricane-prone areas may carry higher premiums due to increased risk of property damage.
Get a fast quote customized to your Louisiana trade and location—no guesswork, no hassle.
Louisiana Contractor Insurance Requirements
Louisiana contractors may need the following types of insurance to stay compliant and competitive:
General Liability Insurance
Often required to register as a licensed contractor with the Louisiana State Licensing Board for Contractors (LSLBC). It helps cover property damage and bodily injury claims that occur during your work.
Workers’ Compensation Insurance
Mandatory in Louisiana if you have one or more employees, even part-time. It covers jobsite injuries, lost wages, and protects your business from lawsuits.
Commercial Auto Insurance
Needed for any business-owned or work-use vehicle in Louisiana. This policy covers accidents, property damage, and injury claims involving your work trucks or vans.
Not sure which policies apply to your trade? We’ll help you meet Louisiana’s legal and licensing requirements—without overpaying.
Get a Free Contractor Insurance Quote
in Louisiana
At ACI, we make contractor insurance simple, affordable, and fast—so you can focus on the job, not the paperwork. Whether you’re patching a roof in Baton Rouge or remodeling homes in Monroe, we’ve got the coverage you need.