From Poydras to the Parish Line—Coverage That Speaks NOLASoma Insurance
Business in New Orleans moves through krewes, chambers and neighborhood circles—coffee at Zony Mash or a po-boy on Magazine can accomplish more than a boardroom...
Recent New Orleans Business Incidents
Real incidents from 2024-2025 that cost New Orleans businesses millions.
Hurricane Francine floods metro; outages ripple across Orleans Parish
On Sept. 11–12, 2024, Hurricane Francine came ashore in Terrebonne Parish and pushed a flash-flood emergency into New Orleans and Jefferson Parish...
Rare snow and hard freeze burst pipes; transit and flights stagger
Jan. 21–23 brought a historic winter event to New Orleans—snow on Uptown lawns, icy bridges and a multi-day freeze that stressed older buildings...
Hurricane Francine floods metro; outages ripple across Orleans Parish
On Sept. 11–12, 2024, Hurricane Francine came ashore in Terrebonne Parish and pushed a flash-flood emergency into New Orleans and Jefferson Parish...
Rare snow and hard freeze burst pipes; transit and flights stagger
Jan. 21–23 brought a historic winter event to New Orleans—snow on Uptown lawns, icy bridges and a multi-day freeze that stressed older buildings...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers New Orleans's real risks.
New Orleans's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Thunderstorms train along I-10 and pop street flooding; neutral-ground parking advisories and quick pump checks are routine. Festival load-ins share curb space with cones and police barricades—plan dock times before lunch.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Heat and afternoon downpours rule. Power blips test refrigeration and POS; watch for boil-water orders after main breaks. Hurricane season requires COIs, roof checks, ice and generator drills.
Fall: Severe Weather
September - November
Peak tropics meet football weeks. Tidal pushes can slow drainage in the Quarter and Bywater. Portable cooling and backup power keep patios and events moving.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Mostly mild—until it isn’t. Blue-norther freezes can burst pipes and glaze bridges. Keep heat on in vacant suites, insulate risers, and log checks for claims.
New Orleans Industries We Cover
Specialized coverage for the businesses that power New Orleans.
Hospitality, Events & Nightlife
From the Quarter and CBD to Uptown music rooms, visitor cycles and festivals drive payrolls. Street closures, heat, and occasional boil-water orders reshape service windows and staffing.
Port, Maritime & Logistics
Port NOLA, warehouses and the Public Belt rail connect river cargo to I-10. Weather, labor calendars and river conditions can idle gates and reroute drays.
Healthcare & Education
Ochsner, LCMC and campus clinics anchor jobs across Uptown, Mid-City and New Orleans East. Downtime risk and water quality are front-of-mind.
Food & Beverage Makers
Roasters, breweries and commissaries cluster in the Bywater, Treme and Warehouse District, serving hotels and festivals.
Construction & Restoration
Historic rehabs and storm repairs are constant, from Uptown doubles to riverfront warehouses.
Hospitality, Events & Nightlife
From the Quarter and CBD to Uptown music rooms, visitor cycles and festivals drive payrolls. Street closures, heat, and occasional boil-water orders reshape service windows and staffing.
Port, Maritime & Logistics
Port NOLA, warehouses and the Public Belt rail connect river cargo to I-10. Weather, labor calendars and river conditions can idle gates and reroute drays.
What New Orleans Businesses Must Know
Local Risk Insights
- •Claiborne under I-10 and the Carondelet underpass pond quickly...
- •Elysian Fields turns into a parade of brake lights when the Quarter closes streets...
- •CCC backups peak evenings; for Algiers Point, the ferry can beat the bridge on event days...
Business Operations
- •COIs often need additional insured + primary/non-contrib for the landlord and event promoter...
- •Keep sanitation logs during boil orders (ice dump, dishwash temp, filter changes); they speed reimbursement...
- •Document roof/HVAC maintenance...
Why New Orleans Businesses Trust Us
We're not just insurance agents – we're New Orleans business protection experts.
Local New Orleans Expertise
We know New Orleans's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When New Orleans businesses need coverage, we're here.
Proven Protection
Coverage that actually pays claims. No hidden exclusions, just real protection.
Transparent Pricing
No hidden fees, no surprises. Clear pricing and honest guidance you can trust.
Always Responsive
Questions about coverage? Claims support? We're here when New Orleans businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Does Business Income cover a citywide rolling blackout like May 25?
Usually no unless you have Off-Premises Power/Service-Interruption coverage or on-premises physical damage. Consider adding spoilage and equipment breakdown, and keep temperature/outage logs.
Are boil-water advisories covered losses?
Property forms rarely cover lost revenue from a boil order without physical damage. Spoilage/contamination and service-interruption endorsements can help with stock loss and extra sanitation expense.
What hurricane deductibles should I expect?
Named-storm deductibles are often 2–5% of insured value per building/location. Review how it applies and coordinate with lender requirements; consider higher wind-driven rain sublimits for older roofs.
We’re below grade off Canal—how do we handle flood vs. backup?
Surface water is Flood (separate policy). Water/sewer backup is a property endorsement with sublimits. Many claims involve both—carry both coverages and elevate critical stock.
How do festival street closures affect liability?
Crowd flows shift to sidewalks and alleys. Verify GL limits, AI/waiver wording for promoters, and consider Assault & Battery buybacks for nightlife venues.
Does Business Income cover a citywide rolling blackout like May 25?
Usually no unless you have Off-Premises Power/Service-Interruption coverage or on-premises physical damage. Consider adding spoilage and equipment breakdown, and keep temperature/outage logs.
Are boil-water advisories covered losses?
Property forms rarely cover lost revenue from a boil order without physical damage. Spoilage/contamination and service-interruption endorsements can help with stock loss and extra sanitation expense.
What hurricane deductibles should I expect?
Named-storm deductibles are often 2–5% of insured value per building/location. Review how it applies and coordinate with lender requirements; consider higher wind-driven rain sublimits for older roofs.
Beat the Boil, Ride the Rain: New Orleans-Proof InsuranceThat Actually Works
Spoilage, off-prem power, and wind-driven rain tuned to Orleans ParishJoin thousands of New Orleans businesses already protected.
Join the thousands of New Orleans businesses who chose protection over hope.