General Liability and Workers Comp

Theriot, Duet & Theriot, Inc. has honed our expertise in understanding the unique challenges and potential of business management across diverse industries, locations, and workforces throughout Louisiana. We take immense pride in our role as trusted risk management advisors, providing valuable insights to local businesses. Whether it's commercial property, auto, general liability, or specialized products, we are here to guide you through the array of coverage options and offer expert reviews tailored to your specific needs.

General Liability

As a business owner, every transaction you complete can result in either a profit or a risk. Protecting your business from the impact of potential customer lawsuits is very important. While an expertly crafted liability insurance policy can shield your business from this type of risk and expense, it can be forgotten until it’s too late.

What does business liability insurance cover?

Liability insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have about attorney costs as a liability case grinds on—and if you’ve got valuable assets, those can be put in jeopardy from an aggressive attorney.

Liability insurance is appropriate for any business that could face potential lawsuits. There are five distinct types that you may need, depending on your business, and your tolerance for the risk of financial loss:

• Professional Liability
• Commercial General Liability
• Directors and Officers liability
• Commercial Crime Business Personal Property
• Business Owner Property (BOP)

There are other risks that may be covered, including:

• Bodily injury should a client trip and fall over your property, or lose footing on a slippery floor.
• Property damage and data loss should you accidentally spill a drink on a client’s server that causes data loss, or a tree falls on their car in your parking lot.
• Other risks that may not be apparent or expected.