Louisiana Workers’ Compensation Insurance: What Employers Are Required to Carry 

Running a business in Louisiana means taking on responsibility for the people who work for you. If someone gets hurt on the job, a workers’ compensation insurance policy can cover your employees’ medical bills and lost wages while also financially  protecting your business from related legal action.

Understanding Louisiana’s Coverage Requirements

Louisiana requires employers with one or more employees to carry workers’ compensation insurance. Coverage must meet state-required minimums and provide benefits for medical treatment, temporary disability, permanent disability and death benefits for eligible dependents.

Common Exemptions and Nuances

Louisiana law can have some exemptions to its workers’ comp requirements, including the following:

• Sole proprietors without employees are generally not required to carry coverage, though they may elect to do so.
• Domestic workers employed in private homes may be exempt.
• Agricultural workers are subject to different rules depending on farm size and payroll.

Independent contractors are generally not considered employees under Louisiana law, though if they are hired to perform work that is part of your trade or business, as is common in construction, you may be required to provide coverage for them.

Employers who operate without required coverage may face stop-work orders, substantial fines and personal liability for all medical and wage-loss claims.

Get the Right Policy

Contact Affordable Insurance Providers to review your coverage obligations and make sure your business is properly covered. We serve employers across Bossier City, LA and can help you build a policy that fits your workforce and industry.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.