Kastner Insurance Group

10/17/2026

Running a five-person office in Lafayette? You still have email, a bank account, and customer records. That’s enough to make you a target.

We pulled together the cyber insurance questions we hear most from business owners across Acadiana, Baton Rouge, New Orleans, and the North Shore. A few that catch people off guard:

Your BOP may include a small cyber endorsement, but the limits are usually low.
Fake wire transfer losses are one of the most common coverage gaps.
Keeping your data in the cloud doesn’t protect you from phishing or weak passwords.

All 12 questions, answered in plain language. Link in the comments.

Want to talk through your own setup? Call us at 337-291-0018.

10/16/2026

We don't mean to rush you, but that quote isn't going to follow up with itself! 😂

If you've been meaning to get back to us about your insurance quote, consider this your friendly little nudge.

We're ready when you are! Give Kastner Insurance Group a call, and let's get things rolling.

☎️ (337) 399-0018

10/13/2026

“What limit should I carry?”

It’s the first question most business owners ask about cyber insurance. And two $1 million policies can pay out very differently once you get into the fine print.

What shapes what you’d actually collect:

- Sublimits on ransomware, wire fraud, and business interruption
- Defense costs paid from inside the limit
- Waiting periods before lost income coverage starts

In Louisiana, healthcare records, energy contracts, and storm season can all push the right number higher.

Our new guide walks through how to size your limit. Link in the comments.

Coverage varies by carrier and policy terms.

10/12/2026

A few of our producers spent their Friday further south getting more information on SpaceX! Thank you Keaty Real Estate for such a great day 🤩

10/08/2026

Come hang out with us on Thursday, October 22 🧡

A HUGE thank you to our 2026 sponsors for this year's Gumbo Cook-Off! This event would not be possible without your support!!

Thank you for helping us keep the gumbo — and the good times — rolling 🥣🎉

If you haven't grabbed your tickets yet, we have pre-sale tickets available to RAA members for $10 a ticket or ticket bundles for $100 for 15 tickets.

10/08/2026

Festival season is here in Acadiana 🍂

If your business is setting up a booth, sponsoring a church fair, or hosting a fundraiser this fall, take a minute to check your liability coverage before the calendar fills up.

A few questions worth asking:
🍁 Does your general liability extend to off-site events?
🍁 Does the organizer need a certificate of insurance naming them as additional insured?
🍁 Will you be serving food or drinks?

A quick review now beats a surprise later. Details in the comments 👇

09/29/2026

Tailgates in Baton Rouge. A Ragin' Cajuns home game in Lafayette. One more weekend on the Vermilion before duck season takes over.

Fall in south Louisiana means a full house, more miles in the truck, and more time on the water. It also means more liability than most families stop to think about.

Your home, auto, and boat policies each have a liability limit. When a serious accident goes past that limit, the difference becomes your problem. That's the gap a personal umbrella policy is built to fill. And if you just added a teenager to your auto policy, it's worth a closer look.

We broke down how umbrella coverage works, what it won't cover, and what to check before you buy. Link in the comments 👇

09/24/2026

Boat season in south Louisiana isn't done yet. There are still some good weekends left on Lake Martin, the Atchafalaya, and out toward Cypremort Point. But storage season is coming, and how you store your boat, jet ski, or ATV can change what your policy needs to cover.

Parked under the carport in Youngsville? Tucked in a camp shed off the Basin? Sitting on a trailer in the driveway? Each one comes with different risks, from storm damage to theft.

Before you pull the plug and throw the cover on, let's make sure your recreational coverage still fits how you use it and where it lives in the off-season.

Call us at 337-291-0018 or start your coverage review at the link in the comments. 👇

09/22/2026

Back-to-business season is here, y'all. 📈

More invoices, more online payments, more customer info flying around. And the scammers know it too.

Quick question for local business owners: if a hacker locked up your computers tomorrow, would your insurance help? A lot of folks assume yes and find out otherwise.

Cyber insurance can help cover breach response, recovery after an attack, and the gaps your other policies leave open.

Let's talk about whether you have a cyber gap. Link in the comments 👇

09/16/2026

"I only have one employee."

"They're all 1099."

"I own the company, so it doesn't apply to me."

We hear these every week from business owners across Acadiana, and none of them is automatically true.

In Louisiana, workers' comp generally kicks in once you have one employee.

Full-time, part-time, seasonal, all of it.

And a 1099 doesn't settle whether someone counts, especially if they're doing manual labor on your jobsite.

We break it all down in plain language on our latest blog: who needs coverage, how owner exclusions actually work, and what to do the day someone gets hurt.

Link in the comments 👇 Questions about your setup? Call us at (337) 291-0018.