Workers’ comp in Louisiana
What Louisiana law requires of employers.
Who it applies to
Louisiana’s Workers’ Compensation Act applies to employees performing services in the course of their employer’s trade, business or occupation. Limited exemptions exist, including certain household and private farm workers whose annual earnings fall under set thresholds, and musicians and performers working under a performance contract.
Source: La. R.S. 23:1035
Owners and officers
A corporate officer who owns at least 10% of the stock, a partner, or a sole proprietor may elect out of the Act by written agreement with the insurer or group self-insurance fund.
Source: La. R.S. 23:1035
Ways to meet the requirement
An employer meets it by insuring with a carrier authorized to write workers’ compensation in Louisiana, joining a group self-insurance fund, joining an interlocal risk management agency, or qualifying with the state to self-insure.
Excess workers’ compensation for self-insured employers
Source: La. R.S. 23:1168
Penalties for not carrying it
An employer that fails to secure workers’ compensation faces a civil penalty of up to $250 per employee for a first offense, capped at $10,000, and up to $500 per employee for a later offense.
Source: La. R.S. 23:1170
How workers' comp is priced
Premium is set by payroll in each class code, adjusted by your experience mod where you have one, and audited against actual payroll at the end of the term.
Working in more than one state? Workers compensation is filed state by state, so the quote needs every state where you have employees.
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)
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Frequently asked questions
Common questions about workers compensation insurance
Still have questions?
Call us at (504) 315-4536Availability, limits, and eligibility vary by carrier and state.
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