Danielle Mitchell Insurance Agent
Claimed 
Business InsuranceAuto Insurance AgencyCasualty Insurance
Hours
By Appointment OnlyAbout Danielle Mitchell Insurance Agent
My specialty is commercial insurance for mid to large sized locally owned businesses. Offering all Property & Casualty coverages including Commercial Auto, General Liability, Workers Compensation, Property, Cargo/Inland Marine/Equipment, Builders Risk, Cyber, Flood, and Umbrella/Excess Insurance. Coverage available in Louisiana, Mississippi, and Alabama, as well as worldwide. Serving ALL businesses including: Transportation & Trucking Construction Crane & Rigging Scaffolding & Access Financial Institutions Food & Agriculture Healthcare Higher Education Law Firms Manufacturing Marine Real Estate & Hospitality Religious Restaurants Risk Management Technology
Areas Served
Serving Louisiana, Mississippi, and worldwide to include LA: Ascension Parish, Prairieville, Gonzales, Baton Rouge, Belle Chasse, Bossier City, Destrehan, Hammond, Jefferson Parish, Elmwood, River Ridge, Harahan, Metairie, Kenner, Lafayette, Monroe, Ruston, New Iberia, New Orleans, Northshore, St Tammany Parish, Madisonville, Mandeville, Mandeville, Covington, Eden Isle, Slidell, MS: Biloxi, Gulfport, Hattiesburg, Jackson, Natchez, Alabama AL: Mobile, Orange BeachServices
Transportation & Trucking Insurance
Our team of industry experts can take on the most complex insurance needs offering specialized coverage for niche risks. Our team's uncommon insights on liability issues, unparalleled service, and dedicated staff ensure you are in good hands. We serve all aspects of transportation including: Agricultural Hauling Contractor Fleets Crane & Rigging – link to page Dirt, Sand, & Gravel Emergency and non-emergency medical transportation General Freight Hazmat Heavy Construction Heavy Fleet Logging / Timber Long-haul Trucking Moving & Storage Ready Mix Concrete Contractors Short-haul Trucking Tow Truck Operations Waste Haulers Commercial Insurance Coverages including the following lines: Auto Physical Damage Commercial Auto Liability Commercial Surety & Bonds Cyber Dealers Open Lot Directors and Officers (D&O) E&O Errors & Omissions Employment Practices Liability (EPLI) Equipment Excess / Umbrella Flood Garage Liability Garage Keepers General Liability Inland Marine Management Liability Motor Truck Cargo Pollution Liability Professional Liability Property Reefer Breakdown Coverage Rigger’s Liability Trailer Interchange Workers Compensation / USL&H Captives
Construction Industry and Contractor Insurance
Our team focuses on developing surety, insurance and risk management programs for contractors, sub-contractors and firms specializing in construction projects large and small. Our team's uncommon insights on liability issues, unparalleled service, and dedicated staff ensure you are in good hands. We serve all aspects of construction, contractors, and developers including General Contractors and Sub-Contractors. Coverage for all construction project sizes to include: >High-rise office buildings >Infrastructure projects >Retail >Schools >Sports arenas >Universities >Utility Crane & Rigging Scaffolding & Access Commercial Insurance Coverages including the following lines: Auto Physical Damage Bonds Builders Risk Commercial Auto Liability Commercial Surety & Bonds Cyber Directors and Officers (D&O) Errors & Omissions (E&O) Employment Practices Liability (EPLI) Environmental Package Equipment Excess / Umbrella Flood General Liability Inland Marine Management Liability Motor Truck Cargo Pollution Liability Professional Liability Property Rigger’s Liability Workers Compensation / USL&H Captives
Captive Insurance
Top Industries: Construction & General Contractors Manufacturing Retail Trade Automobile Dealers Clothing Stores Grocery Stores Restaurants Transportation This insurance structure is a game changer! Once you understand the difference between traditional insurance and a captive, you are going to want to be in a captive, which is why our captive members have a 100% retention rate. This option is what our best-in-class businesses aim to qualify for. What is Captive Insurance? Captive insurance refers to a strategy where a company establishes its own insurance company to cover its risks. This approach is especially advantageous when facing rising premiums, limited coverage options, increased deductibles, and stricter policy terms. By using captives, businesses can gain more control over their risk management. This often results in cost reductions, enhanced investment opportunities tailored to both immediate and long-term business needs, and the potential to reinvest surplus capital into areas such as employee benefits, product development, and more. Our team is here to guide you from the initial placement to ongoing management, exploring a range of solutions such as captives or tailored programs, which may include: • Single-Parent Captives: These programs supplement your existing insurance coverage, filling gaps and exclusions that might be present in traditional policies. • Group Captives: In this structure, multiple unrelated companies come together to insure their collective risks, with each company owning a small share of the captive insurance entity. • Cell Companies: A growing option within the captive insurance market, cell companies allow a parent company to segregate its risks into separate accounts, providing lower capital requirements, greater flexibility, and independent operational structures. • Rent-a-Captive: This variation of a cell company allows businesses to join an established captive program without needing to make a significant upfront capital investment. While you share profits with other participants, the financial commitment is generally lower. Who Can Benefit from Captive Insurance? Captive insurance is a valuable tool for various businesses, including large multinational firms with revenues exceeding $1 billion, as well as smaller enterprises, contractors, project owners, and developers. It offers a flexible risk management option that can be tailored to a wide range of industries and organizational sizes. What Are the Benefits of a Captive Insurance Program? 1. Returned Premiums & Investment Income When managed properly, captives can generate substantial returns, with an average return of 23% on the funds invested in your loss reserves. Unlike traditional insurance, where the carrier retains both the interest and profits, captives invest premiums and return both the interest and profits to you. This underwriting profit margin often surpasses most other investments available in the market. 2. Rewarding Safety Practices If your company maintains a strong safety culture and minimizes claims, a captive can reward those efforts. In the standard insurance market, your premiums reflect the overall claims performance of your industry, meaning you're often penalized for the claims experience of others. Many low-claims companies are moving to captives, reducing the market share of high-claims firms, and helping stabilize pricing. 3. Stabilized Pricing Captive insurance helps stabilize premiums for the parent company, as captives are not influenced by the market's ups and downs. When the insurance market hardens and premiums rise, a captive's premiums remain unaffected, protecting your company from these fluctuations. This stability also supports more accurate financial modeling and projections. 4. Tax Advantages In the U.S., premiums paid for business insurance are tax-deductible under Section 162 of the Internal Revenue Code. With captives, these premiums are also deductible, but instead of being forfeited to a third-party insurer, they’re retained within the captive. This structure allows the parent company to invest premiums as reserves until claims are paid, and if no claims are made, the reserves can be returned as long-term capital gains—either to the business or its owner. 5. Eliminate the Middleman Captives give direct access to the global reinsurance markets, bypassing brokers and other intermediaries. This reduction in middlemen means your captive can reinsure your risks more cost-effectively than traditional carriers, potentially lowering your overall insurance costs. 6. Lower Operating Costs Not all captive insurance programs are created equal. The captive programs we offer have significantly lower operating costs compared to many others in the market, providing more value for your business. 7. Control Over Claims With a captive, you have direct control over how claims are handled, offering greater flexibility and transparency. In contrast, traditional insurers dictate the claims process, giving you less influence over how your risks are managed. Performance Data on Group Captives: • 23% - members earn back 23% of the dollars they invest into their loss funds • 48% - members have 48% fewer fatalities compared to industry averages • 72% - 72% of new members saved money compared to their previous insurance plan • 100% - Captive members have a 100% retention rate
Crane & Rigging Insurance
Multi-Line Insurance Program for Construction Crane & Rigging Specialized Crane & Rigging Insurance Crane and Rigging Insurance Coverages: We offer a multi-line insurance solution specifically for crane rental companies across the country, with or without crane operators. This comprehensive Crane and Rigging insurance program is tailored to meet the unique needs of the crane industry, providing essential coverage for businesses nationwide. With hundreds of insured clients across the United States in this program, it is designed to address the complex insurance requirements of the crane and rigging sector. This program is exclusively packaged through an AM Best A-rated carrier, streamlining the claims process and preventing confusion that can arise from dealing with multiple insurance providers. Crane and Rigging Insurance Coverage Options: • General Liability Insurance • Rigger’s Liability Insurance • Excess Liability Coverage • Workers’ Compensation Insurance • Auto Liability Insurance • Inland Marine Insurance • Contractor’s Pollution Liability Insurance General Liability Insurance: • Coverage options available upon request • $2,000,000 general aggregate limit • $1,000,000 per occurrence limit • $2,000,000 for products and completed operations • $1,000,000 for personal and advertising injury • Available coverage limits: 2mm/4mm/4mm • Occurrence-based coverage form • Multiple deductible choices • Rigger’s liability, including Loss of Use coverage • Over-the-road liability for mobile equipment • Employee benefits coverage • Customized construction general liability (CGL) form Property and Equipment Insurance: • Customized "manuscript" coverage for equipment rented to third parties • Replacement cost coverage for equipment under 10 years old • Rigger’s coverage with comprehensive consequential loss protection • Specialty coverage options such as boom overload, loss of income, extra expenses, loss of rents, and equipment in your care, custody, or control • Flood and earthquake coverage available in most states Auto Liability and Physical Damage Insurance: • Employees covered as insureds • Coverage for hired car physical damage • Blanket additional insured options • Expanded towing and transportation coverage • Rental reimbursement for vehicles • Coverage for personal effects • Accident airbag deployment coverage • New vehicle replacement cost • Preferential pricing for qualified accounts • Discounts for fleet size and loss experience Workers’ Compensation and Employer’s Liability Insurance: • Online certificate issuance available at any time • Superior claims handling services • Blanket waiver of subrogation options Excess and Umbrella Liability: • Coverage limits ranging from $1,000,000 to $5,000,000, with higher limits available Crane and Rigging Insurance for the Construction Industry This program is ideal for businesses involved in crane rental, whether with or without operators, as well as bare crane rental, rigging, millwright services, and specialized transportation. How this program can benefit your business? This program offers decades of industry expertise, allowing us to handle even the most complex insurance needs. This program is designed with over 30 years of experience in the crane sector by it’s underwriters, ensuring the coverage options meet the specific needs of your business. Our team’s deep understanding of liability issues, along with exceptional service and dedicated support, ensures that your crane and rigging clients are well protected.
Scaffolding & Access Insurance
Multi-Line Insurance Program for Construction Scaffolding & Access Specialized Scaffolding and Access Insurance We offer Scaffolding and Access insurance offerings tailored to address the unique and intricate coverage requirements of the scaffold and construction access sectors. This comprehensive multi-line insurance solution caters specifically to the needs of this industry, providing effective coverage for hundreds of clients across the nation. With over three decades of experience in the scaffold and construction access field, the program’s insurance team is comprised of seasoned underwriting professionals who specialize in this sector. The Scaffolding and Access program is exclusively packaged through a highly-rated AM Best A-rated carrier, ensuring clarity and consistency in claims processing by avoiding confusion with multiple carriers. Scaffolding & Access Insurance Coverages: • General Liability Insurance • Workers' Compensation Insurance • Property Coverage • Excess Liability Insurance • Automobile Insurance • Inland Marine Insurance • Contractor’s Pollution Liability General Liability Coverage: • Comprehensive coverage options available upon request • $2,000,000 general aggregate limit • $1,000,000 per occurrence • $2,000,000 for products and completed operations • $1,000,000 for personal and advertising injury • Options for 2mm/4mm/4mm coverage limits • Occurrence-based coverage • Defense costs outside the policy limits • Blanket waiver of subrogation available • Primary and non-contributory coverage options • Various deductible choices • Per-project aggregate coverage available Property and Equipment Coverage: • Customized "manuscript" coverage for equipment rented to third parties • Blanket coverage or specific limits for property based on location/type • Replacement cost coverage • Agreed amount endorsement to avoid coinsurance penalties • Specialized coverage options such as loss of income, extra expenses, job site, in-transit, and equipment in your care, custody, or control • Flood and earthquake coverage available in many states Auto Liability and Physical Damage: • Competitive pricing for qualifying accounts • Discounts available based on fleet size and loss experience Workers’ Compensation/Employer’s Liability: • Available across most states • Dividend plans offered in select states Excess/Umbrella Liability: • Coverage limits ranging from $1,000,000 to $5,000,000, with higher limits available Note: Specific coverages are subject to a formal written proposal. Additional optional coverages are available. Scaffolding & Access Insurance Tailored for the Construction Sector Coverage is ideal for contractors involved in scaffolding, construction hoists, elevators, mast climbers, and swing staging, ensuring comprehensive protection for the construction access industry. How this program can benefit your business This program offers specialized solutions for complex client requirements, drawing on over 30 years of expertise in the construction industry by it’s underwriters. This program’s design reflects our deep understanding of niche risks, ensuring that you receive the coverage you need. With unparalleled service, expert insights into liability issues, and a dedicated team, we guarantee that you are supported with the highest level of care.
Serving all Businesses to include: Transportation & Trucking Construction Crane & Rigging Scaffolding & Access Financial Institutions Food & Agriculture Healthcare Higher Education Law Firms Manufacturing Marine Real Estate & Hospitality Religious Restaurants Risk Management Senior Living Technology Commercial Insurance coverages including the following lines: Auto Physical Damage Builders Risk Commercial Auto Liability Commercial Surety & Bonds Contractor’s Pollution Cyber Directors and Officers (D&O) E&O Errors & Omissions Employment Practices Liability (EPLI) Equipment Excess / Umbrella Flood General Liability Inland Marine Management Liability Medical Malpractice Professional Motor Truck Cargo Property Rigger’s Liability Workers Compensation / USL&H Captives