Transportation & Delivery Insurance in Louisiana
From local delivery services to long-haul trucking, we protect Louisiana transportation businesses with coverage that understands the unique risks of moving goods and people.
We serve transportation & delivery businesses across Louisiana, from New Orleans to Shreveport and everywhere in between.
Top Risks Transportation & Delivery Businesses Face in Louisiana
Transportation & Delivery businesses in Louisiana face unique challenges that require specialized insurance protection. Understanding these risks is the first step toward comprehensive coverage that protects your business, employees, and livelihood.
Vehicle accidents causing injury, property damage, or cargo loss
Cargo theft or damage during transit across Louisiana
High liability exposure from accidents involving commercial vehicles
Workplace injuries from loading, unloading, or vehicle maintenance
Regulatory compliance requirements for commercial vehicle operations
Business interruption when vehicles are out of service after accidents
Coverage Designed for Transportation & Delivery
The right insurance coverage addresses the specific risks your transportation & delivery business faces. Here's how each recommended coverage protects you from the challenges unique to your industry.
Essential protection for delivery vehicles, trucks, and fleets. Covers liability, collision, and comprehensive damage from accidents, theft, and weather.
Protects goods in transit from theft, damage, or loss. Essential for delivery and trucking businesses responsible for customer cargo.
Covers non-vehicle liability exposures like loading dock accidents, property damage at delivery locations, and general business operations.
Required in Louisiana and protects drivers and warehouse staff from workplace injuries while protecting you from injury lawsuits.
Provides additional liability limits above your auto and general liability policies, crucial for high-risk transportation operations.
How Watley Insurance Group Supports Transportation & Delivery
As a Louisiana-based commercial insurance agency, we understand the unique challenges transportation & delivery businesses face in our state. We're not just insurance agents—we're your partners in protecting what you've built.
We Learn How Your Transportation & Delivery Operation Works
Before recommending coverage, we take time to understand your specific operations, risks, and goals. This deep understanding ensures your policy addresses your actual exposures, not just generic industry risks.
We Shop Multiple Carriers Who Understand Your Industry
We work with insurance carriers that specialize in transportation & delivery coverage. By comparing multiple options, we find you the best combination of coverage and price from carriers who understand your industry's unique needs.
We Help You Manage Certificates, Changes, and Claims
Your relationship with us doesn't end at the sale. We help with certificates of insurance, policy changes, claims support, and ongoing risk management. When you need help, you'll talk to someone who knows your business.
Real-World Situations Where Coverage Matters
These scenarios illustrate how the right insurance coverage protects transportation & delivery businesses when unexpected events occur.
Delivery Vehicle Accident Results in Major Claim
A delivery driver caused a multi-vehicle accident on I-10, resulting in serious injuries and extensive property damage. Commercial Auto coverage handled the liability claim, medical expenses, and legal defense, while Commercial Umbrella provided additional limits when the claim exceeded primary coverage.
Cargo Theft During Transit
A trucking company's trailer was broken into overnight in a Baton Rouge truck stop, with $50,000 worth of electronics stolen. Cargo Insurance covered the loss, protecting the trucking company from having to pay for the stolen goods out of pocket.
Worker Injury During Loading
A warehouse employee was injured while loading a delivery truck, requiring surgery and months of recovery. Workers' Compensation covered medical expenses and wage replacement, protecting both the employee and the business from financial hardship.
Transportation & Delivery Insurance FAQs
Do delivery and trucking businesses need Commercial Auto insurance?
Yes, Commercial Auto insurance is essential and often legally required for vehicles used for business purposes. Personal auto policies exclude commercial use, and Commercial Auto provides the higher liability limits and specialized coverage transportation businesses need.
What is cargo insurance and why is it important?
Cargo Insurance protects goods you're transporting from theft, damage, or loss. If cargo is stolen or damaged while in your care, you could be liable for the full value. This coverage is essential for delivery and trucking businesses responsible for customer goods.
How much Commercial Auto liability coverage do transportation businesses need?
Transportation businesses typically need higher liability limits due to the severity of commercial vehicle accidents. Many businesses start with $1 million in liability coverage and add Commercial Umbrella coverage for additional protection. Requirements may vary based on contracts and cargo value.
Is Workers' Compensation required for delivery drivers?
Yes, Louisiana requires Workers' Compensation for most businesses with employees, including delivery and transportation companies. This coverage protects drivers and warehouse staff from workplace injuries and protects your business from injury lawsuits.
What happens if my delivery vehicle is in an accident and out of service?
Commercial Auto comprehensive and collision coverage repairs or replaces damaged vehicles. Some policies also include rental vehicle coverage or business interruption protection to help maintain operations while vehicles are being repaired.
Get Coverage for Your Transportation & Delivery Business
Tell us a little about your operation and a Louisiana-based agent from Watley Insurance Group will follow up with options tailored to your industry.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445