Workers' comp can cover against a wide range of work-related illnesses and injuries, including those sustained in vehicle collisions. All employers in Louisiana are required by state law to carry workers’ compensation insurance, with a few exceptions. Most employees who work in real estate, entertainment, mining, and certain non-profit agency jobs do not need to be covered. Also, sole proprietors, partners, corporate officers, and LLC members may opt to be excluded from coverage.
Rates for workers' compensation insurance in this state are about 20% higher than the national average. That’s why it’s so important to work with an independent insurance agent. Independent agents work with multiple companies to get you the best insurance at the best price. Your price for coverage will be based on your company’s overall payroll and the types of jobs your workers do.
I opened up a lawn care service a couple of months ago, so I researched different insurance coverages that I could get for my business. When I went to TrustedChoice.com, they were quick. They sent me information on a couple of different people who offered that type of insurance in the area. They did everything they needed to do and did their part well. Everything went smoothly.Ricky of Shreveport, LA Consumer Affairs
Workers’ compensation insurance helps to prevent workplace injuries and illnesses from causing large financial losses for your employees. It also shields your business from many potential liability lawsuits. You can expect a standard Louisiana workers’ compensation policy to cover the following:
A workers’ comp claim may be denied if it is determined that the injury was a preexisting condition, if the employee did not report the injury in a timely manner, if the claim was not filed within 30 days, if the injured employee was under the influence of drugs or alcohol at the time of the injury, if the injury did not actually occur on the job, or if the injured worker is not an official employee of the company. If you believe your claim was unjustly denied, you can appeal it by requesting a formal hearing with the Louisiana Office of Workers’ Compensation.
There are currently 421 independent insurance agents in Louisiana who are ready to help you find the best workers’ compensation insurance policy to cover your business. Your agent can work with several different insurance providers to help you find a competitively priced policy that is well-suited to your particular business industry. Talk to an agent near you to start comparing customized workers’ compensation insurance quotes.