Protecting People, Property, and Profits—It’s What We Do

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IUL provides insurance and risk management solutions that make a difference.

We are IUL, one the Area’s Largest Insurance Agencies

Smarter insurance starts with insurance and risk management professionals who think a little differently—a company that understands your industry and what’s on the line for you. As one of the largest independent insurance agencies in the New Orleans Metro area, we’ve built our business by creating innovative solutions to even the toughest risk management challenges.

We believe our clients’ financial security and quality of life deserve the utmost dedication, advice, and personal attention from a trusted partner. As your insurance advisor, we help you make smart decisions—protecting you from the unexpected and planning for the predictable.

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Protection Where You Need It

With multiple offices in the New Orleans Metro area, including Metairie, LA, Covington, LA, and Slidell, LA, we offer comprehensive insurance solutions locally and for clients across the United States.

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The Solution to Your Insurance Needs

IUL offers a variety of business insurance, personal insurance, and employee benefits solutions to help you protect what matters most.

Business Insurance

Insurance by Industry

Personal Insurance

Employee Benefits

Risk Management
Risk Management
Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.

Solution

Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Compliance
Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.

Solution

There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training
Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.

Solution

Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements
Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.

Solution

Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving
Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.

Solution

Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards
Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.

Solution

While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Technology
Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.

Solution

Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

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We are a Different Kind of Agency

Here’s what sets IUL apart from the rest.

Developing clear, open, transparent, and caring service to protect your assets.

Focusing on your potential risks and understanding what will serve your needs.

Providing protection with confidence, security, and peace of mind.

Leading and collaborating with you to create a winning risk management strategy.

Read Our 5-Star Reviews

“Their staff is very knowledgeable and has always gone above and beyond to assist us with everything we need. It is a pleasure working with them!”

Debbie Simeon
Office Manager, RWB Contracting, LLC

Manage Your Policies

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