Louisiana workers' compensation rates are more stabe for 2024.

Louisiana Workers' Comp Rates are some of the most expensive in the country and they've been on the rise over the past few years. Overall rates appear to be a little lower this year for many industry class codes. As of the last study conducted in 2022, workers' compensation rates in Louisiana were 67% higher than the national average. Don't get stuck paying too much for you Workers' Compensation coverage. Let us shop our network of more than a 35 Workers' Comp Providers in the state of Louisiana.

Louisiana has a diverse business economy with many unique risks. We specialize in workers' compensation coverage and we know how to find the lowest rates on coverage. Some of our top industries include home health care, restaurants and contractors. We also help many other industries with flexible payment plans like Pay as You Go Workers' Comp and monthly payment plans. Start a quote online or call an agent today at 888-611-7467.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Louisiana Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Louisiana represent the current insurance rates we've found for 2023. Louisiana rates are regulated by the Loisiana Office of Workers' Compensation Administration. Insurance companies may be able to offer discounts and credits on workers' comp coverage. We offer Pay As You Go workers' compensation insurance in Louisiana. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps Louisiana employers buy workers' compensation coverage at the best rates available.

Class Code & Description Low Rate High Rate
0035 Farms-Planting & Harvesting-Cannabis Growers $2.33 $5.71
0042 Landscaping Service $4.05 $9.92
0106 Tree Trimming-Pruning-Removal $8.74 $21.41
0917 Residential Cleaning Service-Housekeepers $4.21 $11.55
2121 Breweries-Craft Beers $0.91 $2.03
2143 Winery-Wine Makers $1.56 $3.82
2585 Carpet Cleaning $2.94 $7.20
2589 Dry Cleaning & Laundry Service $1.64 $4.02
3632 Machine Shop $1.97 $4.83
3724 Garage Door Installation $2.63 $6.44
3821 Salvage Yard-Automobile Recycling $6.82 $16.71
5022 Masonry Construction $5.88 $14.41
5102 Door & Window Installers $5.41 $13.25
5183 Plumbing Contractors $1.89 $4.63
5190 Electrical Work-Electrician $2.28 $5.59
5221 Concrete Work-Flat Work Cement $4.06 $9.95
5223 Pool Installation & Maintenance $4.38 $10.73
5348 Ceramic, Tile & Stone Work $2.96 $7.25
5437 Trim-Finish Carpenters-Cabinets-Countertops $5.60 $13.72
5445 Drywall Contractors $5.67 $14.11
5474 Painting Contractors $4.37 $10.71
5478 Floor Installers-Wood-Carpet-Laminate $3.28 $8.04
5535 Metal Building Construction $5.64 $13.82
5537 HVAC-Heating & Cooling Service & Repair $3.98 $9.75
5537* Solar Energy Contractors-Installation $3.98 $9.75
5551 Roofing Contractors $12.87 $31.53
5606 Asphalt & Paving Work $0.78 $1.91
5645 Residential Construction-Home Builders-Remorseless-Siding $9.09 $22.27
6217 Excavation & Grading Work $4.16 $10.19
6400 Fence Installation & Repair $4.45 $10.90
7219 Trucking-Short & Long Haul $6.18 $15.14
7225 Towing Company $6.10 $14.95
7230 Package & Parcel Delivery $6.61 $16.19
7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle $4.11 $10.07
7605 Alarm Installation & Repair $1.88 $4.61
7720 Security Guards-Patrol Officers $2.52 $6.17
8006 Gas Stations & Convenience Stores $1.67 $4.09
8017 Retail Stores-Merchandise-Cannabis Dispensary $1.23 $3.01
8292 Warehousing & Storage Facility $2.66 $6.52
8391 Auto Service and Repair-Mechanic $2.01 $4.92
8393 Auto Body Repair $1.18 $2.89
8742 Sales Professional $0.32 $0.78
8810 Clerical Office Employees $0.13 $0.32
8824 Retirement Living Centers-Congregate Communities $2.06 $5.05
8829 Nursing Homes & Assisted Living Facilities $2.19 $5.37
8831 animal Shelters & Kennels-Veterinarian $1.11 $3.02
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist $0.23 $0.56
8835 Home Healthcare Workers $1.33 $3.26
8842 Group Homes-Temporary Shelters-Disability Facility $2.15 $5.27
8864 Social Service Organizations-Counseling-Family Services $1.35 $3.31
8868 Religous Organizations-Church-Temple $0.34 $0.83
8869 Child Care Center-Daycare Providers $0.90 $2.21
9012 Property Management-Leasing Agent $0.86 $2.11
9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney $2.31 $5.66
9015 Building Maintenance-Campgrounds-Camps-RV Parks $2.49 $6.10
9052 Hotels & Motels $1.61 $3.94
9060 Golf Courses & Country Clubs $1.17 $2.87
9063 Fitness Center-Health Clubs-YMCA Programs $0.68 $1.67
9082 Restaurants-Catering $1.03 $2.52
9083 Fast Food Restaraunt-Concessions-Doughnut Shop $1.11 $2.72
9083* Mobile Food Truck-Food Cart $1.11 $2.72
9084 Bars-Taverns-Nightclubs $1.06 $2.60
9102 Lawn Service & Maintenance $2.40 $5.88
9180 Shooting Range-Amusement Park $9.09 $22.27
9402 Septic Tank Cleaning-Portable Toilets $4.31 $10.56
9403 Refuse Collection-Garbage-Trash Service $7.48 $18.33
9516 Electrical Equipment Repair & Service $3.34 $8.18

Louisiana Workers Compensation Corporation (LWCC) is the State Fund in Louisiana. Workers' comp rates vary by industrial classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Rate (EMR) assigned to their business may have additional credits or debits applied to their insurance policy based on prior premiums and their workers' compensation loss experience.

State Resources for Louisiana

Louisiana Workers' Compensation Administration

P.O. Box 94040
Baton Rouge, LA 70804-9040

Louisiana Workers Compensation Corporation

2237 South Acadian Thruway
Baton Rouge, LA 70808

Louisiana is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency helps employers find guaranteed state fund workers' comp in LA. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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