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Workers’ Compensation Insurance for Louisiana Employers

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Protect Your Employees and Your Business

Coverage that Keeps Your Team and Company Stable

Workers’ compensation insurance is required in Louisiana for most businesses with even one employee. It pays medical care and a share of lost wages after a work injury or occupational illness. It also includes employer’s liability, which helps if a related lawsuit is filed. From Metairie shops near Veterans Boulevard to contractors serving New Orleans, Granen Insurance helps you put compliant coverage in place quickly.

Icon of medical bill with a dollar sign.

What Workers’ Comp Covers

Comp pays for doctor visits, hospital bills, prescriptions, and necessary rehabilitation. It replaces a portion of wages while the employee cannot work and provides death benefits to dependents in tragic cases. Employer’s liability helps with legal defense tied to covered injuries. Workers’ comp is generally no-fault so benefits are available regardless of who caused the accident. Pair your policy with general liability insurance to address customer injury and property damage claims that workers’ comp does not cover.

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Louisiana Specifics That Matter

Most Louisiana employers must carry workers’ comp once they hire employees, including part-time staff. Certain owners can elect to include or exclude themselves. If your business is new or higher risk, we can place you through standard markets or the assigned risk pool. For businesses with vehicles on the road, add commercial auto insurance so work-related driving is properly insured alongside your comp policy.

FAQ – Workers’ Comp

Straight Answers for Louisiana Businesses

  • I only have two employees. Do I still need workers’ comp?

    In most cases yes. Louisiana requires coverage for the majority of employers with one or more employees.

  • How are premiums calculated?

    Rates are based on your payroll and job class codes, then adjusted by your claims history. We help classify roles correctly to avoid overpaying.

  • Can owners opt out?

    Certain owners can exclude themselves. We will confirm eligibility and help you decide what is best.

  • Does health insurance cover job injuries?

    Work injuries are handled by workers’ comp, not standard health insurance.

  • What documents will I need?

    Basic payroll estimates, job descriptions, and ownership details. We provide certificates for leases and contracts once issued.

Take Care of Your Team

Employee Protection That Meets State Requirements

Workers’ comp helps cover medical costs and lost wages after work-related injuries—protecting both your employees and your business.