How does workers' comp work in Louisiana?

It is important for all business owners to know the rules and regulations associated with workers compensation in the state of Louisiana. For the most part all businesses in the state of Louisiana have to carry workers comp coverage. This includes those who only hire independent contractors and those businesses only hiring a few part time employees.

Some industries are exempt from the Workers Comp requirement, like the oil and gas, entertainment and airline industries. Here we try to provide information about all things related to Workers Compensation Insurance in the state of Louisiana.

If you have questions about a workers comp form feel free to contact a specialist at 888-611-7467. We want to be your source for workers compensation information, rates and quotes in Connecticut.

Workers' Comp Rules & Information for Louisiana

Louisiana Insurance Directives Regarding Covid-19

Imposes a moratorium on policy cancellations - 1) Any notice of cancellation/nonrenewal in force and in effect on March 12 is null and void.  Such notice will have to be reissued after the expiration of this emergency rule. 2) Insurers cannot nonrenew/cancel any policy, unless due to fraud or intentional misrepresentation of material fact or at insured’s request. 3) No policy can be cancelled/nonrenewed due to a claim filed during/occurs during the COVID-19 emergency. 4) This does not apply to new policies issued after March 12.  5) All claims notification procedures are suspended. 6) If insurer receives a claim from an insured owing premium, can offset premium owed from any claim payment. LA expanded the provision regarding renewals. Policies subject to renewal after the effective date of this rule must be renewed at the previously established premium, i.e., the rate structure, rating plan, and manual rules approved by the department, regardless of whether the effective date of such rates is before or during the duration of the rule.

Mandatory state law in effect from 03/12/2020 until 05/12/2020 or end of emergency.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Louisiana Office of Workers' Compensation Administration?

P.O. Box 94040
Baton Rouge, LA 70804-9040
Phone: (225) 342-7555

Louisiana Workers' Compensation Corporation (LWCC)

The LWCC is a private, nonprofit mutual insurance company and it is the largest carrier of workers' compensation coverage in the state of Louisiana. In 1992 the LWCC was created to stable the Workers' Compensation marketplace. Louisiana is a unique state that brings with it unique risks. Because of the location on the gulf and as a port for the Mississippi River there are industries in Louisiana that are not located anywhere else in the country. LWCC is there to provide for the business needs of the citizens of Louisiana when private insurance companies might pull out because of the unique risks this area faces.

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Crop Duster Exception

Louisiana provides an exemption for the crews of any airplane working in dusting or spraying operations. Because agriculture is so heavy in rural Louisiana the state has made an exception for employers who have employees taking flights related to dusting or spraying operations.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

Musicians and Performers Exemption

Because New Orleans and the rest of Louisiana are such an entertainment hub the state has come up with special exemptions for workers comp coverage for Musicians and other performers. It is not a requirement, for employers who employ musicians and other performers who are hired for individual performance contract, to carry work comp coverage.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Louisiana Pay as You Go

Payment plans on your terms.

In Louisiana we offer a flexible payment option called Pay as You Go Workers' Compensaiton Coverage. We know how important cash-flow is to your business and we created this program with that in mind. The Pay as You Go Program lowers your up-front costs and offers you real-time monthly reporting for your premium payment.

Start a quote online to see what other programs we have for your business.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Louisiana.

What Does Workers' Compensation Insurance Cover?

...
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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