Louisiana Workers Compensation Insurance-Workmans Compensation

Louisiana Workers Compensation Insurance Rules

Louisiana Workers Compensation

1. Does my Louisiana business need workers compensation insurance?

All employers must provide workers' compensation insurance for their employees. And must show proof that they have the financial means to carry workers' compensation insurance.

2. In Louisiana, are there any exemptions for workers compensation insurance?

Yes, there are some exemptions from carrying workers' compensation. Below is a list of whom are exempt from workers' compensation insurance in Louisiana.

* Any employee of a private residential householder or of a private
unincorporated farm

* Musicians and performers who are rendering services related to a performance contract

* Employees covered by the Federal Employer's Liability Act, the Longshoremen's and Harbor Workers' Compensation Act and the Jones Act

* Any employer acting as a common carrier while engaged in interstate or foreign trade by railroad

* The crews of any airplane working in dusting or spraying operations

* Uncompensated officers and members of boards of directors of select nonprofit organizations

* All real estate brokers or sales agents licensed to do business in the State of Louisiana

* Any person performing services relating to the exploration, development, production, or transportation of minerals

In certain cases an employee who qualifies under these exemptions may seek tort recovery for injuries stemming from such labor, work, or services from any insurance policy that a homeowner or employer may have which provides coverage to persons injured on their premises.

3. Does Louisiana workers compensation law have specific requirements for sub-contractors/contractors and sole proprietors?

In cases where you meet one of the exemptions listed above. Otherwise, sub-contractors/contractors must meet the same standards for workers' compensation insurance. A Sole Proprietor will be will automatically be assinged a payroll of $50,600 and your workers compensation rate will be based on that figure.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

Louisiana Workers Compensation

Louisiana Workers Compensation Insurance Links

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