Business Use Auto Insurance in New Orleans LA & Metairie LA


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What is Business Use Auto Coverage?

Business Use Auto Insurance covers personally owned vehicles that are used frequently for business use. Examples of qualified owners include Real Estate Agents, Lawyers, Outside Sales Representatives, Advertising Agents – in general, anyone who uses his personal vehicle to call on new or existing customers and/or any business-related driving.

For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted immediately.

Factors that determine Business Use: 

  • Many business people use the same vehicle for both business and personal use. If the vehicle is owned by the business, make sure the name of the business appears on the policy as principal insured or as additional interest.
  • Most auto carriers will add Business Use Endorsement to your personal auto for an additional premium based on your occupation and use.
  • Advertising with magnetic signs or lettering on your vehicle may automatically disqualify you for personal business use rates. Check with your agent.
  • We can help you determine if Commercial Auto Coverage is necessary, especially if you are self-employed and your personal vehicle is in your business name. Example: You are a skilled worker who travels to different job sites to do carpentry. Is this commercial use? With some companies, it may be. As an independent agent we can find you the best price.
  • We can help you determine the amount of coverage required to protect not only your personal assets, but also your business assets, especially if your vehicle has double exposure due to its use.
  • Personal Umbrella Insurance can also provide you with inexpensive additional coverage to protect your business and personal assets.

What’s covered?

Business Use Coverage is the same as described under your personal auto provisions.

  • Liability (Limits up to $500,000 available)
  • Collision Comprehensive
  • Medical Payments
  • Uninsured Motorists
  • Towing & Rental
  • Road-Side Assistance
  • Gap Coverage (See explanation under auto coverage)

When Should You Consider Commercial Auto Insurance?

  • Most commercial vehicles are described as pickup trucks, vans, cargo vans, step vans, ¾ ton trucks, one-ton trucks, dump trucks, long haul tractor-trailers, and all types of transportation vehicles, vehicles for hire, and vehicles that are primarily driven by employees.
  • Common industries whose vehicles are rated for commercial use are general contracting, delivery, service, transportation, cargo-hauling, etc.
  • Factors used in determining rates include type of vehicle, gross vehicle weight, radius of usage, name, age, and records of driver(s). All determine rates. Please Note: Allowing drivers with bad driving records could drastically affect your policy premium and renewability with certain carriers.
  • For more information regarding commercial use and rates, please refer to the Commercial Vehicle section located in this website.

For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted immediately.

Our Locations


3008 David Drive
Metairie, LA 70003
Main office: 504-441-7283


2317 Veterans Memorial Blvd. Suite 6
Kenner, LA 70062
Main office: 504-455-7283

New Orleans

2714 Canal St., Suite 101
New Orleans, LA 70119
Main office: 504-821-3111

New Orleans East

5951 Bullard Ave., Suite 4
New Orleans, LA 70128
Main office: 504-241-7283

St. Bernard

8720 West Judge Perez Drive
Chalmette, LA 70043
Main office: 504-277-4000


1500 Lafayette St., Suite 117
Gretna, LA 70053
Main office: 504-367-7283

Our Providers

They help me with all my insurance needs. Stephanie helped me save money at my renewal and was super nice. Rose in customer service helped me enroll in paperless when I couldn’t figure it out. They are awesome people and always professional. I would recommend them to anyone.
Michelle Simpson
Chris Webre got me a great rate and exactly the coverage I needed for my business. He kept in touch with me throughout the process. If I had a question, he was quick to respond with an answer. He made what was quickly becoming a headache, a pleasure. I’m glad I went with Dan Burghardt Insurance for my general liability business insurance. Thanks Chris.
Sidney Roussell
Got a great quote from some great people over at Dan Burghardt. Was surprised at how nice everyone was. I would recommend them to everyone. It’s as easy as giving them a call. Stephanie was awesome and quoted me a few different ways to see what was best for me.
Jerome Williams
Dan Burghardt and his staff are amazing. Whenever I need anything having to do with insurance I pick up the phone and within a few minutes it is taken care of… and for a lot less money than other insurance companies have quoted!
Brett Thomas
Jennifer at Dan Burghardt Insurance Agency is the most professional, helpful and efficient agent I have ever had the pleasure of working with. I would recommend them to everyone I know in the need of insurance services.
Brandi Dalon Picado
Thanks for always being, prompt, professional and friendly. I’m happy to be a customer with you all for the last 8 to 9 years!!! My agent Darlisha Miller is the best!!!
Darrylynn Montana-Henry