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Lafayette, LA
Get In Touch With Us
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Address:
2205 W. Pinhook Rd
Lafayette, Louisiana, 70508, United States -
Phone: 337-233-5022
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Fax: 337-233-3178
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Email: [email protected]
Office Hours:
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Mon-Fri: 8:30 AM – 4:30 PM
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Sat: Closed/By Appointment Only
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Sun: Closed/By Appointment Only
About Lafayette, LA
Insurance in Lafayette, LA
Formerly known as Stiel Insurance Group.
Inszone writes insurance in Lafayette, LA from an office on West Pinhook Road, in the hub of Acadiana. The city blends Cajun and Creole culture with a business community built largely around energy, healthcare and the University of Louisiana at Lafayette.
Clients who know this office as Stiel Insurance of Acadiana 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 family members still work alongside a team of experienced insurance agents, with a book that runs from oil and gas accounts and hospitality to grocery stores, hospitals and home and auto policies.
As an independent insurance agency in Lafayette, the team works with more than one of the insurance companies writing in Louisiana, 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 Broussard, Youngsville and Scott.
Personal Insurance in Lafayette, LA
Louisiana’s minimum liability limits of $15,000 per person, $30,000 per accident and $25,000 for property damage are where car insurance in Lafayette starts. Uninsured motorist coverage is part of the policy unless it is rejected or reduced on the state’s form, and an Insurance Specialist can put car insurance quotes for higher limits next to the minimum.
The August 2016 flood reached neighborhoods across Acadiana that many people thought were safe from high water. Standard homeowners policies exclude flood, so home insurance in Lafayette is usually reviewed together with a separate flood policy, the hurricane or named-storm deductible and the home’s replacement cost.
The office also writes boat, umbrella and life insurance. An umbrella policy adds liability limits above home and auto coverage, and an Insurance Specialist can review whether it fits your household.
Business Insurance in Lafayette, LA
Energy companies and the businesses that serve them have been part of the local economy for generations, and their programs need to line up with the contracts they work under, from general liability and commercial auto to pollution liability and certificates for each job.
The office also works with restaurants and hospitality businesses, grocery stores, healthcare providers, contractors and professional offices, building each program around what the business does. Workers’ compensation, commercial property, umbrella and employee benefits round out the commercial lines.
Your Local Insurance Agency in Lafayette, LA
Stop in at our West Pinhook Road 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 St. Mary Parish can also reach the Stiel team at our Franklin office, where the agency started in 1956.
FAQs
Is this the same office as Stiel Insurance of Acadiana?
Yes. Stiel Insurance of Acadiana is now part of Inszone Insurance Services, with the same team working from the same West Pinhook Road office. The team can go through your current policies whenever you are ready.
Do I need flood insurance if I am not in a high-risk flood zone?
Flood zones are based on mapped risk, but heavy rain does not follow the map, as many Acadiana homeowners saw in August 2016. Standard home insurance policies exclude flood, and most new flood policies have a 30-day waiting period before they take effect. An Insurance Specialist can quote flood coverage for your home so you can compare the options.
What insurance does a restaurant need?
Most restaurant programs start with property coverage for the building, equipment and inventory, general liability for customer injuries and workers’ compensation for staff. If you serve alcohol, liquor liability is usually written as its own policy, because general liability often excludes those claims. Business income and equipment breakdown, especially for refrigeration, are common additions, and an Insurance Specialist can review which fit your restaurant.
How much car insurance does Louisiana require in Lafayette?
Louisiana sets minimum liability at 15/30/25: $15,000 per person, $30,000 per accident and $25,000 for property damage. Uninsured motorist coverage remains on the policy unless you reject or reduce it in writing on the state’s form, and the “No Pay, No Play” law limits what an uninsured driver can recover after a crash. An Insurance Specialist can compare higher limits for you.
Is workers’ compensation required for my Lafayette business?
Louisiana employers need workers’ compensation from the first hire, whether the employee is full-time or part-time. Crews working offshore, on vessels or on docks may fall under federal maritime rules rather than the state system, which matters for many energy-related businesses. An Insurance Specialist can confirm how the rules apply to you.