The Complete Guide to Commercial Insurance for Financial Advisors in Louisiana

Errors & Omissions Insurance: The First Line of Defense

Mistakes happen—even in the most detail-focused firms. That's why Errors & Omissions Insurance is Critical for Louisiana Financial Advisors. This policy covers claims made by clients who believe your advice caused them a financial loss. Whether or not the claim has merit, legal defense costs can stack up quickly.

Cyber Liability Insurance: Protecting Digital Frontlines

Financial firms handle a mountain of sensitive client data. A breach doesn’t just threaten your operations—it could destroy trust. How Cyber Liability Insurance Protects Louisiana Financial Advisors from Digital Threats breaks down how this policy helps you recover from ransomware, phishing, or accidental data exposure.

Business Interruption Insurance: Keeping the Lights On

Floods, hurricanes, or power outages can halt your firm’s operations overnight. Why Louisiana Financial Advisory Firms Need Business Interruption Insurance explores how this coverage steps in to replace lost income and cover expenses while you get back on your feet.

Business Owners Policy (BOP): Bundled Protection That Makes Sense

For many financial advisory firms, a BOP is a smart way to combine property, liability, and business interruption coverage into one streamlined policy. Why Financial Advisory Firms in Louisiana Need a Business Owners Policy (BOP) explains how this all-in-one policy can protect your firm without overcomplicating your insurance portfolio.

Commercial Crime Insurance: Guarding Against Internal Threats

Embezzlement and fraud don’t always come from outside threats. In How Commercial Crime Insurance Protects Louisiana Financial Advisory Firms from Fraud and Embezzlement, we tell the story of how one advisor was blindsided by a longtime employee. This coverage is a quiet but powerful shield against internal financial loss.

Workers’ Compensation: Not Just for Manual Labor

Just because your employees sit at desks doesn’t mean they’re immune to workplace injuries. From slips to ergonomic issues, Workers' Compensation for Louisiana Financial Firms: Why Office Jobs Aren’t Risk-Free explains how this coverage supports both your staff and your business.

Key Person Insurance: When You Can’t Afford to Lose Them

What happens if your firm’s rainmaker—or you—can’t work? Key Person Insurance: What Happens If a Lead Advisor Leaves? looks at how this policy helps your business absorb the financial impact of losing a top producer or leader.

Commercial Property Insurance: Protecting Your Physical Assets

The tech, office furniture, and infrastructure you rely on don’t come cheap. Commercial Property Insurance for Financial Advisory Firms: Safeguarding Your Office Assets walks through how property insurance protects you from unexpected damage or loss—from a burst pipe to a break-in.

EPLI: Covering Workplace Risks You Might Not Expect

A single accusation of harassment or wrongful termination can put your firm’s name—and finances—on the line. Employment Practices Liability Insurance for Financial Firms in Louisiana explores how EPLI coverage keeps your business protected when employee relations go south.

Which Coverages Does Your Firm Actually Need?

If you’re just getting started or scaling your financial firm, figuring out what insurance policies make sense for your risk level and team size isn’t easy. That’s where Kastner Insurance comes in. We help financial firms across Louisiana build custom insurance strategies that actually make sense—not just the ones an online form recommends.

Your clients trust you with their future. It’s time to make sure your firm is just as protected.