CALL US:
504.455.7283

Glossary

  • Additional Insured: A person or organization for whom insured status is arranged by endorsement
  • Bond: A written agreement in which one party, the surety, guarantees the performance of honesty of a second party, the principal (obligor), to the third party (obligee) to whom the performance or debt is owed.
  • Business Income Coverage: Insurance covering loss of income by a business when operations are interrupted due to property loss that is a covered cause of loss.
  • Business Interruption Coverage: See Business Income Coverage.
  • Business Owners Policy (BOP): A policy that combines property and liability coverage for special types of small businesses.
  • Certificate of Insurance: A document providing evidence that insurance has been purchased.
  • Commercial General Liability Policy (CGL): A coverage, which protects business organizations against liability claims for bodily injury and property damage. Those claims may be the result of events at your place of business, from the business operations, the products of services you make or do, communications or advertisements your business broadcasts.
  • Completed Operations: General Liability Coverage for the work of the insured that has been completed away from the business premises.
  • Employee Dishonesty Coverage: Coverage for theft of money, securities or property by an employee.
  • Employment Practices Liability Insurance: A form of liability insurance covering wrongful acts arising from employment practices such as wrongful termination, discrimination and sexual harassment.
  • Equipment Floater: A property insurance coverage for equipment that is often moved from place to place.
  • Garage Liability Insurance: Insurance coverage for the legal liability of automobile dealers, garages, repair shops and service stations for bodily injury and property damage arising out of their business operations.
  • Garage keepers Coverage: Provides coverage to owners of storage garages, parking lots and body and repair shops for their liability of damage to automobiles left in their custody for safekeeping or repair.
  • Independent Contractor: An individual or company who has agreed, in writing, with another party to perform a job or function on behalf of that party.
  • Premises-Operations: AS category of hazard ordinarily insured by a general liability policy which is composed of those exposures to loss that fall outside the defined “products-completed operations hazard”, including liability for injury or damage arising out of the insured’s premises or out of the insured’s business operations while such operations are in progress.
  • Product Liability: The liability for bodily injury or property damage a merchant or manufacturer may incur as a consequence of some defect in the product sold or manufactured.
  • Product-Completed Operations: General Liability coverage for liability arising out of the insured’s products or business operations conducted away from the insured’s premises once those operations have been completed.
  • Professional Liability: Coverage designed to protect professionals such as physicians and real estate brokers, against liability incurred as a result of errors and omissions in performing professional services.
  • Surplus Lines Insurance: Insurance written by insurers not licensed in the states where the risks are located and placed with such insurers under the surplus line laws of the various states. Before such placements can be made through specialty licensed surplus line agents and brokers, state laws generally require evidence reported before some predetermined future date (‘sunset’).
  • Underwriter: Company receiving premiums and accepting responsibility for fulfilling the policy contract. Also< company employee who decides whether the company should assume a particular risk; or the agent who sells the policy.
  • Worker’s Compensation: Is the type of insurance which provides healthcare and disability benefits when you experience a job-related injury. Premiums for this coverage are paid totally by your employer. Just about all employees who are injured as a result of their jobs may be eligible for workers’ compensation benefits. The key question is whether the condition happened while you were at work and because of your employment. The three basic type benefits may be provided when employees are injured on the job.
    § All reasonable and necessary medical care;
    § Disability Benefits;
    § Death Benefits;
    § Rehabilitation Services.

Our Locations

Metairie

3008 David Drive
Metairie, LA 70003
Main office: 504-455-7283

Kenner

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

New Orleans

2714 Canal St., Suite 314
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

Westbank

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