Franklin, LA

About Franklin, LA

Insurance in Franklin, LA

Formerly known as Stiel Insurance Group.

Inszone writes insurance in Franklin, LA from the same Main Street office where the Stiel family started its agency in 1956. Franklin is the seat of St. Mary Parish, with Bayou Teche winding through town past the historic district and sugarcane fields on every side.

Clients who know this office as Stiel Insurance Group, or by the David H. Stiel, Jr. Agency name on the storefront, will find the same family team here, now part of Inszone. Three generations have insured the people and businesses of the parish for seven decades, with a book that runs from home and auto policies to oil and gas accounts, parish and municipal government programs, hospitality, grocery stores and hospitals.

As an independent insurance agency in Franklin, LA, the team represents more than one carrier, and joining Inszone has added more of them, so an Insurance Specialist can compare markets for a household, a business or a public entity at each renewal. We also work with clients in nearby Baldwin, Jeanerette and Patterson.

Buy your insurance in Franklin, LA!

Personal Insurance in Franklin, LA

Hurricanes and the flooding that follows them are the defining property risk along the Teche. Wind damage is generally handled by a homeowners policy, usually with a separate hurricane or named-storm deductible set as a percentage of the insured value, while standard property policies exclude flood. That makes flood insurance in Franklin its own policy, and new flood policies usually carry a 30-day waiting period before they take effect.

Louisiana requires liability limits of at least $15,000 per person, $30,000 per accident and $25,000 for property damage, and that is where car insurance in Franklin starts. Uninsured motorist coverage is included unless it is rejected or reduced on the state’s official form, and an Insurance Specialist can check what a current policy includes.

The office also writes home, boat, umbrella and life insurance. Older homes in the historic district can cost more to rebuild than to buy, so the dwelling limit is worth reviewing with a specialist. A camp, a rental house or a second home is usually written on its own policy rather than added to the homeowners policy for the house you live in.

Business & Public Entity Insurance in Franklin, LA

Commercial accounts have always been a large part of this agency’s work, from family-owned shops on Main Street to larger commercial and industrial accounts, and each program is built around what the business does.

Public entity insurance in Louisiana is one of the agency’s long-standing specialties. Parish and municipal government programs bring together property, general and public officials liability, auto and workers’ compensation, and they have to fit a public budget cycle. The team has worked through those details with local governments for years.

Louisiana requires workers’ compensation from the first employee, full-time or part-time. Crews who work on boats, docks or offshore platforms may fall under federal maritime rules instead of the state system, and an Insurance Specialist can review how that applies to your business. The office also writes oil and gas, hospitality, grocery store and healthcare accounts across south Louisiana.

Your Local Insurance Agency in Franklin, LA

Stop in at our Main Street office, call the number in the contact details on this page, or use the quote form. You keep working with the same people you already know, now backed by the carriers and resources of a national brokerage.

Clients closer to Morgan City or Bayou Vista can also reach our Morgan City office and Bayou Vista office, which offer the same coverage.

Get your free insurance quote!

FAQs

Is this the same office as Stiel Insurance in Franklin?

Yes. Stiel Insurance, founded by the Stiel family in this Main Street office in 1956, is now part of Inszone Insurance Services, with the same local team. The team can go through your current policies whenever you are ready.

How does a homeowners policy handle hurricane damage?

Wind damage from a hurricane is generally handled by the homeowners policy, usually with a separate hurricane or named-storm deductible set as a percentage of the home’s insured value rather than a flat dollar amount. Flood is excluded, so it is written as a separate flood policy, and new flood policies usually have a 30-day waiting period. An Insurance Specialist can quote both so you can compare the options.

Can you insure a parish or municipal government?

Yes. Parish and municipal government programs have been part of this agency’s work for years, bringing together property, general and public officials liability, auto and workers’ compensation. An Insurance Specialist can review how a program fits the way the entity operates and the budget it works within.

Does my Franklin business need workers’ compensation insurance?

Louisiana requires employers to carry workers’ compensation from the first employee, whether that person works full-time or part-time. Workers on boats, docks or offshore platforms may fall under federal maritime rules instead of the state system. An Insurance Specialist can confirm how the rules apply to your business.

What car insurance do I need to drive in Franklin?

Louisiana requires at least $15,000 per person, $30,000 per accident and $25,000 for property damage, often written as 15/30/25. Uninsured motorist coverage is included unless you reject or reduce it on the state’s official form, and the state’s “No Pay, No Play” law limits what an uninsured driver can recover after a crash. An Insurance Specialist can show what higher limits would cost alongside the minimum.