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About Us

Essential Insurance Financial Group was founded by Michael Hussey and Eric Hite, two native New Orleanians. More than 25 years local experience as insurance and financial services advisors. As former Agency Sales Directors for a national company, both understand the responsibility of representing one of the largest and most respected National Brands in the industry. Through hard work and education each found success and a new vision. That vision was to rebrand their professional knowledge and experience and provide our local communities with the necessary, i.e., “ESSENTIAL” Insurance and Financial Services we all need.

The protection products include: Homeowners, Flood, Commercial, Business, Life, Disability and Long term Care Insurance.

For Personal and Business Planning, as well as other financial services, we ask that you visit or email me at

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Essential Insurance Financial Group, LLC represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.