Jacob, a Baton Rouge attorney, had a morning full of depositions before heading to court for a high-stakes case. Running late, he grabbed his files, jumped into his car, and sped off toward the courthouse. As he merged onto the freeway, another driver suddenly switched lanes without signaling. Jacob swerved but couldn’t avoid the collision. His car was damaged, and he suffered minor injuries, but what worried him most was the laptop in his briefcase—full of confidential client information.
Later, when he called his personal auto insurance provider, he was in for a shock. Since he was driving for work purposes, his claim was denied. His law firm’s general liability insurance didn’t cover auto accidents either. The repairs, medical expenses, and even potential legal repercussions for compromised client data fell squarely on his shoulders.
Jacob’s firm had overlooked commercial auto insurance, a critical safeguard for attorneys who drive for work. Without it, they were exposed to financial and legal risks they hadn’t considered.
Many attorneys assume their personal auto insurance covers work-related driving, but that’s rarely the case. If an accident happens while an attorney or legal staff is driving to a deposition, client meeting, or courthouse, personal insurance may deny the claim. This leaves both the driver and the firm vulnerable to legal action, repair costs, and liability claims.
Baton Rouge law firms frequently deal with heavy traffic, unpredictable weather, and distracted drivers. Whether attorneys use firm-owned vehicles or personal cars for business, commercial auto insurance ensures the firm is protected from financial loss due to accidents, injuries, or vehicle damage.
A well-structured commercial auto insurance policy provides coverage for multiple risks attorneys face while driving for work.
If an attorney causes an accident while driving for work, this covers bodily injury and property damage for the other party. Without it, the firm could be responsible for medical bills, repairs, and legal claims.
Regardless of who is at fault, this helps pay for damages to a firm-owned vehicle. If attorneys use personal cars for work, hired and non-owned auto coverage (HNOA) can be added to protect them.
This covers non-accident-related damage such as theft, vandalism, or weather-related incidents—a major concern in Louisiana, where hurricanes and flooding pose real risks.
Louisiana has one of the highest rates of uninsured drivers. If an attorney is hit by an uninsured or underinsured driver, this coverage helps pay for damages and medical costs.
Covers medical expenses for attorneys or staff injured in a work-related car accident, regardless of fault.
If attorneys use personal vehicles or rent cars for firm-related work, HNOA provides coverage that personal insurance may not. This protects the firm from liability if an accident occurs.
Without proper coverage, Baton Rouge law firms could face significant financial and legal consequences if an accident occurs during work-related driving.
Baton Rouge’s heavy traffic congestion, unpredictable storms, and high rate of uninsured drivers make the risk even greater for law firms without commercial auto insurance.
Securing the right commercial auto policy isn’t just about having insurance—it’s about customizing a policy that fits the unique needs of a law firm. Here’s how firms can ensure they’re properly covered:
Baton Rouge law firms invest in professional liability and cyber insurance, but many overlook commercial auto coverage—a major risk if attorneys or staff drive for work.
A properly structured policy ensures that:
✔ The firm is protected from liability in work-related auto accidents.
✔ Attorneys don’t have to rely on personal insurance that won’t cover business use.
✔ The firm’s financial stability remains intact, even after an accident.
Whether using firm-owned cars or personal vehicles, law firms must be proactive in securing the right commercial auto insurance policy. A single accident can result in hefty repair costs, legal fees, and reputational damage—risks no law firm should take.
If your law firm in Baton Rouge wants customized commercial auto coverage, working with an experienced insurance provider is the best way to safeguard your business, attorneys, and reputation. Don’t wait until an accident happens—protect your firm today.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
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