Commercial Auto Insurance for Houma, Louisiana Businesses

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Policy Should Cover

Man driving car, smiling, with family in the back seat.

Liability Coverage

Required by Louisiana law—covers bodily injury and property damage you or your employees cause while driving for business.

Physical Damage (Comprehensive & Collision)

Pays for repairs or replacement of your business vehicles after accidents, theft, vandalism, storms, or floods.

Uninsured and Underinsured Motorist Coverage

Protects your business if a company vehicle is hit by a driver with little or no insurance—a common concern in Louisiana.

Medical Payments Coverage

Covers medical expenses for drivers and passengers in your business vehicles after an accident.

Hired and Non-Owned Auto Coverage

Extends liability coverage to vehicles your business hires, rents, or borrows—and even covers employees using personal vehicles for business tasks.

Who Needs Commercial Auto Insurance?

If your business owns or uses vehicles—company cars, trucks, delivery vans, or specialty vehicles—commercial auto insurance is essential. In Houma, New Orleans, and throughout South Louisiana, local driving risks and legal requirements make it critical to have the right protection for both your vehicles and your business.


Clement Insurance Agency works with businesses of all sizes: from a single work truck to entire fleets. We help you compare options, understand Louisiana’s insurance laws, and choose coverage that matches how and where your vehicles operate.

Have questions about your policy, required limits, or how commercial auto differs from personal auto?
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How the Process Works

Step 1

We review your business vehicles, usage, routes, and any special risks (like oilfield service or food delivery).

Step 2

We explain Louisiana’s commercial auto requirements and options based on your business needs.

Step 3

You get quotes from multiple carriers—clear comparisons, with no pressure.

Step 4

Ongoing help with policy changes, certificates, or claims—talk to a local team, not a call center.

Frequently Asked Questions

  • Who needs commercial auto insurance?

    Any business that owns, leases, or uses vehicles for work. Contractors, delivery services, real estate offices, and more—if a vehicle is used for business, it needs the right policy.

  • What’s the difference between commercial and personal auto insurance?

    Commercial auto policies cover business use, higher liability, multiple drivers, and specialty equipment. Personal auto insurance is not enough for business vehicles.

  • What types of vehicles can be insured?

    Cars, pickups, vans, SUVs, box trucks, trailers, and more. We tailor coverage to fit your specific vehicles.

  • Are employees covered when driving?

    Yes—covered drivers are included under your commercial policy, including for business errands in personal vehicles if you add “hired and non-owned auto” coverage.

  • Can I bundle commercial auto with other business policies?

    Yes—ask about bundling with General Liability or as part of a Business Owners Policy (BOP) for added savings and convenience.

  • Why work with a local agency?

    We know South Louisiana driving risks and insurance requirements—plus you get clear guidance and claims support from people you can reach.

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Ready to Get Started?

Make sure your business vehicles and your livelihood are protected. Clement Insurance Agency helps Houma, New Orleans, and South Louisiana businesses secure commercial auto insurance that’s practical, local, and reliable. Request your commercial auto quote today.