Business Lines Information
Our initial approach at Stone Insurance, Inc. is to gain an understanding of your business.
A thorough knowledge of your operation enables us to provide the insurance program that best meets your individual needs.
One of our commercial underwriting teams assesses the insurance requirements of your particular business and researches the many insurance markets available to Stone Insurance, Inc.
Then, and only then, do we design and develop a cost effective risk management program exclusively for your business.
Business Owners Insurance
We work with our clients in the greater New Orleans area and throughout Louisiana to fully understand their business and their potential risk exposure.
Want to know more? Click here to read our comprehensive business insurance information.
General Liability Insurance
Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.
For a broad range of protection, please click here to learn more.
Workers Compensation Information
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
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Commercial Vehicle Insurance
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Click here to see all the differences and options.
When your equipment breaks down, it can also break down your business. Protect your equipment from things like power surges or operator error with equipment insurance.
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Buildings and Property Insurance
Property is an important part of your business. We have many special programs to help you make the most from your business investment.We take the time to understand your unique needs and design a program specifically tailored to your needs. We have programs to insure buildings and other property.
Click here to find out how much you can save.
Stone Insurance writes some of the largest parades in Mardi Gras. However, we are not limited to the carnival season. We can write parades nationwide big or small. We also can write weather cancellation policies in the situation where the parade is cancelled because of rain.
We also have Special Parade Endorsements. Click here to learn more.
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Find out the options available to you. Click here for comprehensive information.
Professional Liability Insurance
As a professional, you have specific insurance needs that go outside the bonds of normal liability coverage. Our risk management specialists take the time to understand both your business and your exposure to risk.
Click here to find out how much you can save.
Each member of Stone Insurance's Bond Department has over 25 years of experience. We offer all types of bonds for a wide range of industries, to accommodate our client's company and individual requirements. Our affiliations with A-rates carriers help guide you through the process, making it as easy as possible to meet your bond requirements.
Click here to find out how we can help you save.