Why Business Use Auto Insurance Is a Game-Changer in Louisiana

Why Business Use Auto Insurance Is a Game-Changer in Louisiana, updated 8/8/25, 8:12 AM

categoryLegal
visibility2
Business use auto insurance isn't just about protection—it's about peace of mind. And Bonano Insurance is here to deliver both.

About bonanoinsurance1

We are an independent insurance agency serving St. Tammany, Tangipahoa and Washington. For the past 26 years, we have helped businesses, families and individuals find affordable insurance for commercial and personal situations. "Service" continues to be our Motto.

Tag Cloud

Why Business Use Auto Insurance Is a
Game-Changer in Louisiana

https://www.bonanoinsurance.com/auto/

 In Louisiana, where bayous wind and businesses boom, your company vehicle
isn’t just a ride—it’s a revenue-generating asset. But have you considered what
protects it when it hits the road?
 Welcome to the world of Business Use Auto Insurance, the unsung hero of
smart risk management. Whether you own a catering van in Baton Rouge, a
fleet of service trucks in Shreveport, or a mobile salon in New Orleans,
coverage customized for business use is not just smart—it’s essential.
What Makes Business Use Different from Personal Use?
Most folks assume their regular auto insurance has them covered. But here’s
the kicker:

Personal policies don’t protect business-related activities.
• Delivering goods, transporting clients, or operating as part of a business?
That’s a whole different ballgame.
Imagine one of your employees rear-ends someone while running deliveries.
Without business coverage, you could be left footing a six-figure bill. Not ideal.
Who Needs Business Auto Insurance in Louisiana?
Almost any entrepreneur or company can benefit, including:
• Contractors and tradespeople
• Real estate agents
• Food truck owners
• Mobile service providers
• Logistics companies
Even if you’re a solopreneur with one vehicle used for occasional meetings—
you're still at risk.
Coverage That Works Harder Than Your Truck
Bonano Insurance offers business auto plans that go beyond the basics:
Plus, Bonano Insurance tailors policies to your specific industry—because a
caterer’s needs differ from a contractor’s.
Coverage Type
What It Protects Against
Liability
Bodily injury and property damage to others
Collision
Damage from accidents—regardless of fault
Comprehensive
Theft, vandalism, floods (hello, Louisiana!)
Uninsured Motorist
Accidents involving uninsured or hit-and-run drivers
Medical Payments
Injuries to you or your passengers
Real Value. Real Savings.
Switching to a business auto policy might even save you money. Why?
• Group discounts for fleets
• Bundled coverage benefits
• Lower out-of-pocket costs in the event of an accident
Bonano Insurance’s expert agents understand Louisiana’s roads, risks, and
regulations. They’ll guide you to the right policy without drowning you in jargon.
Ready to Drive Smarter?
Business use auto insurance isn't just about protection—it's about peace of
mind. And Bonano Insurance is here to deliver both.