Hammond, LA

About Hammond, LA

Insurance in Hammond, LA

Formerly known as Stiel Insurance Group.

Inszone writes insurance in Hammond, LA from an office on Southwest Railroad Avenue in the city’s historic downtown. Hammond sits where Interstates 12 and 55 cross, home to Southeastern Louisiana University and the commercial hub of Tangipahoa Parish, with Ponchatoula’s strawberry country just down the road.

Clients who know this office as Stiel Insurance will find the same team here, now part of Inszone. The office belongs to an agency the Stiel family founded in Franklin in 1956, and its book runs from home and auto policies to grocery stores, hospitality, healthcare and municipal government programs, for clients of every size.

As an independent agency, the team works with more than one of the insurance companies in Hammond, LA, and joining Inszone has added more of them, so an Insurance Specialist can compare markets for a household or a business at each renewal. We also work with clients in nearby Ponchatoula, Independence and Amite.

Buy your insurance in Hammond, LA!

Personal Insurance in Hammon, LA

Interstate traffic and a commuter town make car insurance in Hammond a common first question. Louisiana’s minimum is 15/30/25, uninsured motorist coverage is included unless it is rejected or reduced on the state’s official form, and an Insurance Specialist can compare higher limits against the minimum on a quote.

Heavy rain can be as much of a threat in Tangipahoa Parish as wind. Standard homeowners policies exclude flood, which is written as a separate policy, so home insurance in Hammond is worth reviewing with a specialist alongside a flood quote and the policy’s hurricane or named-storm deductible.

A university town brings a steady rental market, and many local owners rent a house or two to students. A homeowners policy is written for the home you live in, so a rental is usually placed on a landlord or dwelling policy. Students renting near campus can carry a renters policy for their own belongings and liability, and the office also writes umbrella and life insurance.

Business Insurance in Hammond, LA

Two interstates make Hammond a natural home for distribution, retail, restaurants and service businesses, and each one needs a program built around what it does.

Grocery store insurance in Louisiana is one of the agency’s specialties. A store combines property, inventory, spoilage, equipment breakdown, general liability and workers’ compensation exposures under one roof, and business income coverage is designed to help with payroll and bills if a storm or outage forces a closure.

Louisiana requires workers’ compensation from the first employee, full-time or part-time, and an Insurance Specialist can confirm how that applies to a growing staff. The office also writes municipal and parish government, healthcare and hospitality accounts, along with contractors and professional offices.

Your Local Insurance Agency in Hammond, LA

Stop in at our Southwest Railroad Avenue office downtown, 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.

Whether you are adding a rental house, checking a flood quote or setting up coverage for a new store, our Insurance Specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

Is this the same office as Stiel Insurance in Hammond?

Yes. Stiel Insurance is now part of Inszone Insurance Services, with the same team working from the same downtown Hammond office. The team can go through your current policies whenever you are ready.

Do I need landlord insurance for a house I rent to students?

A homeowners policy is written for the home you live in, so a rental is usually placed on a landlord or dwelling policy instead. That policy may include the building, your liability as the owner and lost rent after a covered loss, but not your tenants’ belongings, which their own renters insurance is written for. An Insurance Specialist can review the right limits for each property.

What insurance does a grocery store need?

Most grocery store programs start with property coverage for the building and inventory, spoilage coverage for refrigerated and frozen goods, equipment breakdown for coolers and compressors, general liability for customer injuries and workers’ compensation for staff. Business income coverage is designed to help keep payroll and bills paid during a covered closure. An Insurance Specialist can review which fit your store.

What car insurance do I need to drive in Hammond?

Louisiana’s minimum liability limits are $15,000 per person, $30,000 per accident and $25,000 for property damage. Uninsured motorist coverage stays on the policy unless you reject or reduce it in writing on the state’s form, and under the “No Pay, No Play” law an uninsured driver’s recovery after a crash is limited. An Insurance Specialist can quote higher limits alongside the minimum.

When does a Hammond business need workers’ compensation?

In Louisiana, an employer needs workers’ compensation once it hires its first employee, part-time staff included. Crews working on vessels or docks may fall under federal maritime rules instead. An Insurance Specialist can confirm how the rules apply to your business.