Workers Compensation Insurance
Protect your employees.
Safeguard your business.
Legally required coverage that protects your employees and your business. Expert workers comp solutions for Louisiana businesses.
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Owner/Officer inclusion or exclusion
Eligible owners/officers may elect to include or exclude themselves from coverage (varies by state). We’ll help you set up what’s best for your situation.
Legally Required for Louisiana Employers
Louisiana law requires workers compensation insurance for businesses with one or more employees. Operating without required coverage can result in significant fines, criminal penalties, and personal liability for workplace injuries.
Why workers compensation matters
Workers compensation is mandatory in Louisiana and protects both your employees and your business. It provides medical care and wage replacement for injured workers while shielding your business from costly lawsuits. Without it, you face significant fines, legal penalties, and unlimited personal liability.
Writing in multiple states? We can coordinate out‑of‑state or secondary operations on your policy.
Lower your premium over time
Programs that can reduce your Experience Mod (EMR)
Loss Control
Safety training, site inspections, and hazard mitigation support.
Return‑to‑Work (RTW)
Modified duty to reduce time away and claim impact.
What's covered
Comprehensive protection for workplace injuries and illnesses.
Employee medical coverage
Comprehensive medical expense coverage for employees injured on the job, including hospital stays, surgeries, and rehabilitation.
Lost wage replacement
Income replacement benefits for employees unable to work due to job-related injuries or illnesses, protecting their financial stability.
Legal protection
Defense against employee lawsuits related to workplace injuries, with coverage for legal fees and settlements.
Compliance & certainty
Meet state legal requirements while protecting your business from costly workers injury claims and demonstrating care for your team.
What you'll need for a quote
Have this information ready for an accurate workers compensation quote.
Business Information
- •Legal business name and DBA
- •Business address and locations
- •Years in business
- •Federal tax ID (EIN)
- •Business entity type
Employee Information
- •Number of full-time employees
- •Number of part-time employees
- •Job classifications
- •Annual payroll by classification
- •Owner/officer payroll
- •Owner/officer inclusion or exclusion preference
Operations & Risk
- •Industry classification codes
- •Detailed description of operations
- •Safety programs in place
- •Subcontractor usage
- •Certificates of insurance from subs
Claims History
- •Experience modification rate (EMR)
- •Prior workers comp claims (5 years)
- •Current workers comp policy
- •Loss runs from current carrier
- •Certificates of insurance for subcontractors (if applicable)
- •Second Injury Fund questionnaire (if applicable)
Ready to protect your employees?
Get a personalized workers compensation quote from a licensed Louisiana agent.
Coverage options
Workers compensation solutions tailored to your industry and workforce.
Standard workers comp policy
Comprehensive coverage meeting Louisiana statutory requirements. Premiums based on payroll and industry classification. Best for most businesses with standard workplace risks.
High-risk industry coverage
Specialized coverage for construction, manufacturing, and other high-risk industries with safety programs and loss control services.
Get your quote today
Choose the method that works best for you
Online Quote
Fast turnaround on all online submissions
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Frequently asked questions
Common questions about workers compensation insurance
Still have questions?
Call us at (504) 315-4536Coverage, limits, discounts, and eligibility vary by carrier and state. Examples are educational and not a guarantee of coverage. Review your issued policy for terms, conditions, and exclusions.
Contact Us About Workers Compensation Insurance
Interested in getting a quote for workers compensation insurance? Fill out the form below and one of our experienced agents will contact you to discuss your needs.