Cyber Insurance

Unfortunately, every type of organization, from huge companies to mom-and-pop shops that use technology to do business, face cyber risk. As technology becomes more complex and sophisticated, so do the threats that businesses face.

Cyber liability insurance provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. A data breach can damage your reputation and put your customers and/or employees at risk.

Cyber Insurance covers: sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver’s license numbers and health records.

Cyber insurance typically helps with:

  • legal fees and expenses,
  • Notifying customers about a data breach
  • Restoring personal identities of affected customers
  • Recovering compromised data
  • Repairing damaged computer systems

Workmen’s Comp

Workers compensation insurance coverage can help to protect both you and your employees after a work-related injury or illness. For the employee, workers compensation provides medical care, lost wages and more. For the employer, workers compensation provides peace of mind by helping your business avoid expensive civil litigation and providing support to injured employees to help them recover and return to work.

To protect your employees…

  • Medical expense benefits
  • Lost wages benefits
  • Over 2,000 workers compensation claim professionals to simplify the claims process
  • 500+ in-house nurses and medical professionals to ensure a timely return and smooth transition back to work when medically appropriate

To protect your business…

  • May limit your liability if sued by an injured employee
  • Safety resources and expertise available to reduce workplace accidents
  • Investigative team for claims

Errors & Omissions

As an expert, you must adhere to certain standards and best practices for your industry. If a client believes you made a mistake or oversight, they could claim that you didn’t meet those standards and sue your company for financial damages. Errors and omissions insurance protects you if a client accuses your business of making a mistake (an error) or failing to do something (an omission), even if that claim proves to be groundless.

Perfect for:

  • Attorneys
  • Certified financial analysts
  • Corporate trainers
  • Financial advisor
  • Home inspectors
  • Insurance agents
  • IT consultants
  • Loss control inspectors
  • Marketing consultants
  • Notaries
  • Real estate agents and brokers
  • Software companies
  • Travel agents
  • Tutors
  • Veterinarians
  • And anyone who gave incorrect advice or a failure to perform professional services could lead to a lawsuit

Builder’s Risk

Builder’s risk insurance, also known as construction insurance, is a specialized type of property insurance that helps protect buildings under construction. Any person or company (like the property owner, general contractor, subcontractors, the lender and/or architects) with a financial interest in the construction project needs builder’s risk insurance. Having a properly structured builder’s risk insurance policy is a must and in fact, will serve as the backbone of a successful risk management program.

Builder’s risk insurance helps protect construction projects from property damage due to:

  • Fire
  • Lightning
  • Hail
  • Explosions
  • Theft/Vandalism

A basic builder’s risk insurance policy helps cover:

  • The buildings and structures under construction
  • Materials
  • Supplies
  • Equipment on site, in transit or at other locations
  • Expenses not directly related to construction
  • Lost sales
  • Rental income
  • Additional interest on loans
  • Real estate taxes

Business Owners

Theall Insurance Agency is a small business so when it comes to helping small to medium businesses, we really go the extra mile. Most business owner’s insurance policies have:

  • Property insurance – typically protects any property that belongs to the business. This includes any real property that the business owns or rents and all the contents It can also include personal property of the business owner, employees or even third parties so long as the property is kept within a qualifying area. Property insurance will typically cover all equipment, outbuildings, and inventory.
  • Business interruption insurance – many businesses got an education in business interruption insurance because of closures during hurricane A business interruption insurance policy will replace any lost income where the loss is directly caused by a covered disaster.
  • Liability protection – typically designed to protect a business and all the business’ employees throughout the normal course of operations like damages caused to others’ property, injuries caused during the business rendering its services or any personal injury claims that may arise from members of the general public accessing the premises of the It also can protect you, the business owner, personally.

Commercial Auto

If your business depends on:

  • Vans
  • Cars
  • Trucks
  • Heavy equipment vehicles like semi-tractors
  • Buses
  • SUV’s
  • Commercial trailers

Then you need to protect your investment. Without them, you cannot deliver the goods and services that your clients are purchasing from you. That is why it is very important that you get the right protection.

Types of Coverage

Collision Coverage Collision Coverage pays up to the coverage limits for damages caused to your vehicle or a vehicle you are operating if it hits another car or object, or overturns. This type of coverage is typically required if you are financing your vehicle.

Since liability policies usually offer separate limits that apply to bodily injury claims for property damage, a combined single limits policy provides the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.

This type of insurance provides coverage for damages to your vehicle or any vehicle in your custody resulting from incidents other than a collision such as theft, fire, vandalism, flooding, hail, or other It is usually required if you have a vehicle loan.

Commercial auto liability insurance provides coverage to pay for another individual’s bodily injuries or damages to their vehicle or property that you are legally responsible for.

If you and your passengers are injured or killed in an accident, medical payments coverage will pay for your doctor, hospital, and funeral expenses regardless of who is at fault. This type of insurance also covers you as a pedestrian if you are hit by a

This type of coverage protects you if you accidentally damage someone else’s property with your It also provides coverage for legal fees in most cases.

If you are in a hit-and-run accident or if you are in an accident with someone who does not have insurance, uninsured motorist coverage pays for pain and suffering that is not covered by medical, disability, and personal injury protection. Underinsured motorist coverage pays for bodily injury to you or your family if the person legally responsible does not have adequate coverage.

Policies usually include commercial auto liability, physical damage, medical expenses, uninsured motorists, and hired vehicle protection. Let us help you choose what is right for your business! Call 985- 643-2299 to work with one of our knowledgeable agents.

General Liability

This policy protects owners and their business from common, general claims that occur on the property, such as physical harm to non-employees and property damage. General liability insurance covers: personal injury, claims of harm based on advertising, and medical expenses.

It covers:

  • Bodily Injury or Property Damage: can protect your business when a customer slips and is injured in your store
  • Medical Payments: Medical costs if someone is injured on the premise and needs medical treatment
  • Reputational Harm: False arrest, malicious prosecution, libel, slander, wrongful eviction, violation of the right to privacy, and more
  • Advertising Errors: If others allege you infringed on their copyrights when advertising good, products, or services in your advertisement
  • Damage to Premises Rented to You: Damage to premises rented to you due to fire, lightning, or explosion

At Theall Insurance Agency, we are committed to giving you reliable insurance coverage that is priced competitively. As a customer, you can enjoy flexible coverage that is tailored to the needs of your business. Call us 985-643-2299!


What is the Longshore and Harbor Workers’ Compensation Act?

The Longshore and Harbor Workers’ Compensation Act (LHWCA) is a federal law that provides for the payment of compensation, medical care, and vocational rehabilitation services to employees disabled from on the job injuries that occur on the navigable waters of the United States, or in adjoining areas customarily used in the loading, unloading, repairing, or building of a vessel. The LHWCA also provides for payment of survivor benefits to dependents if the work injury causes, or contributes to, the employee’s death. These benefits are typically paid by the self-insured employer or by a private insurance company on the employer’s behalf. The term “injury” includes occupational diseases, hearing loss and illnesses arising out of employment. – Department of Labor

Working Vessel: It’s no secret that Louisiana has a large marine based industry including the maritime shipping industry, the offshore oil and gas industry and the commercial fishing industry. These vessels and their crews work behind the scenes but comprise by far the largest number of commercial vessels in Louisiana.

  • Commercial Diving
  • Marine Contractors
  • Commercial Watercraft
  • Offshore Consultants
  • Engineers
  • Project Managers
  • Manufactures
  • Operators

Passenger Vessel: Whether you own and operate a tour boat, a private charter boat or an airboat, your commercial marine insurance needs should be based on the specific type of vessel and charter you operate. As a passenger vessel owner, you need a commercial marine insurance policy that provides broad physical damage coverage and protection from potential liabilities to passengers, crew and other third parties.

  • Guided Fishing and Hunting Charters
  • Guided Airboat Tours
  • Sight Seeing Tours
  • Day and Extended Cruises
  • Ferry and Passenger Vessels

Theall Insurance Agency provides inland and ocean marine insurance for any vessel size. From a tugboat to an airboat, we can provide a marine insurance specialist to get the coverage you need. Call 985-643- 2299 to help protect your boat, crew, and passengers.


A church should be a place where peace and spiritual exploration but often face with issues that can cause disruption, loss of resources and heartache. A single lawsuit can derail a thriving church and cost thousands of dollars, as well as the loss of members and their faith in the safety of the church.

Risks can include:

  • Allegations of child sexual abuse
  • Property claims (fire, theft)
  • Personal injuries, such as slips and falls or vehicular accidents
  • Zoning disputes with the local zoning authority
  • Disputes with insurance companies
  • Auto
  • Workers’ compensation

Practicing risk management helps to increase safety and security for children, families, church workers, and leaders, while helping your church avoid costly disruptions.

Let us help you navigate the areas of risk and offer solutions. We are committed to providing competitive premiums, low deductibles, complete coverages, and great customer service. Call us 985- 643-2299.


When it comes to Restaurant Business Insurance, we are serving up some great rates (XD KILL ME! LOL)

If you are the owner of a café, coffee shop, ice cream shop, fine dining or fast food, catering service or cafeteria, you need Restaurant Business Insurance.

We recommend starting with a business owner’s policy. A BOP combines three general insurance coverages that are important to almost every business:

  • General Liability – helps protect your business from claims of bodily injury or property damage
  • Commercial Property – fire, burglary, theft,
  • Business Income – replace lost income if it’s unable to operate due to covered property damage, rent, payroll, loan payments and tax payments
  • And if you have employees, workers’ compensation

Your team faces hazard’s every day from walking across wet floors to touching hot cooking surfaces. Protect them and your business with a quote from us. Call 985-643-2299