Workers' Compensation Insurance for Louisiana Employers
Workers' Comp Is Legally Required for Most Louisiana Businesses
Louisiana law generally requires employers with even one employee (full-time or part-time) to carry workers' compensation insurance. There are narrow exceptions, but most businesses must have coverage from day one-or risk fines and lawsuits. Not sure if you're compliant? We'll clarify the rules and get you covered quickly.
Insurance for Employee Injuries-And Lawsuit Protection for You
Workers' comp covers medical care and lost wages if an employee is hurt on the job-from ladder falls to carpal tunnel. It also shields your business from most lawsuits, since claims are resolved through the work comp system, not the courtroom. For example: if your worker is injured, their bills and income are covered, and you avoid direct legal action.
Smart, Affordable Coverage-Tailored to Your Business
Rates depend on your payroll and the risk level of each job role (classification code). Louisiana businesses can access policies through the state fund (LWCC), top private insurers, or the assigned risk pool for higher-risk needs. As independent agents, we shop the market to find the best fit and pricing-even for companies with prior claims.
Protect Your Team. Stay Legal. Control Your Risk.
No matter your field, one accident or claim could put your business at risk. Don't go uninsured.
Meet state law and avoid fines or lawsuits
Cover employee injuries and illnesses, plus wage replacement and rehab
Prevent costly lawsuits from injured workers-claims are handled outside court
Maintain morale and retention with prompt, fair support for your people
Cost Control Through Safety & Smart Policy Choices
A safer workplace means fewer claims and lower "experience mod" (which sets your rate). We help you:
Review your loss history and class codes for errors or savings
Suggest workplace safety and return-to-work programs
Find carriers that reward safe businesses or offer dividend programs
Provide quick work comp certificates for jobs or licenses
Workers' Comp Questions-Answered
Is workers comp required in Louisiana?
Yes-almost all employers must have it. We'll review your situation to confirm.
How does workers comp work for my small business?
It pays medical bills, lost wages, and rehab if a worker is injured, and protects you from lawsuits.
How much does it cost per employee?
Cost depends on payroll, job risk, and claims history-but we shop all major carriers for the best deal.
Can I get a certificate fast?
Absolutely-we provide same-day certificates so you can start jobs or licensing without delay.
Can you help businesses with prior claims?
Yes-we have markets for higher-risk employers and can advise on lowering costs over time.
Stay Protected and Compliant-Request a Workers' Comp Quote
Don't risk fines or uncovered injuries. Whether you're hiring your first employee or want to review an existing policy, get a custom quote from State Insurance Services-local experts ready to help.