Small Business WC in Louisiana

Our pay-as-you-go programs have minimal deposit requirements — often just one or two months of premium to start.

Louisiana has its own unique claims system administered through the Louisiana Workforce Commission's Office of Workers' Compensation Administration. Settlement procedures, benefit schedules, and court processes differ significantly from NCCI-standard states.

The Louisiana Workers' Compensation Corporation is a private mutual insurer that serves as Louisiana's market stabilizer. We work with LWCC alongside private markets to find the most competitive option for each employer.

Domestic workers (housekeepers, nannies, gardeners) employed in a private home are generally exempt unless the employer has five or more domestic workers.

Yes. Occupational diseases caused by work conditions — including silicosis, asbestosis, chemical exposure, and repetitive stress injuries — are covered under Louisiana WC.

In a fatal workplace injury, Louisiana WC provides burial expenses up to $8,500 and ongoing income benefits of 32.5% of the state's average weekly wage to the surviving spouse, plus additional benefits for dependent children.

Medical benefits continue as long as medically necessary. Indemnity (wage replacement) benefits are typically capped at 520 weeks for temporary total disability, but permanent total disability may extend indefinitely.

The Louisiana Workforce Commission can issue stop-work orders to employers operating without required WC coverage. These halt all business operations until coverage is obtained and penalties are paid.

Corporate officers are considered employees and are generally covered. However, officers who own 10% or more of the corporation's stock can elect to be excluded from WC coverage.

Report the injury to your insurer immediately (we provide 24/7 claims hotlines). You must also file a First Report of Injury with the Louisiana Office of Workers' Compensation Administration within 10 days for injuries resulting in lost wages.

Yes. Louisiana's Office of Workers' Compensation Administration handles disputes. We connect you with experienced WC defense counsel when needed.

Class codes are NCCI-derived codes that categorize the type of work each employee performs. They directly determine your WC rate. Correct classification is critical — miscoding can cost thousands at audit.

Agricultural laborers are generally exempt from mandatory Louisiana WC coverage, though employers may elect to cover them voluntarily.

Businesses unable to obtain WC in the voluntary market can access coverage through the assigned risk plan (administered by LWCC). Rates are typically higher. We work to keep you in the voluntary market.

In most cases, Louisiana WC is the exclusive remedy — meaning injured employees cannot sue their employer in tort. The exception is intentional employer conduct. We help employers understand their exposure.