Helping to protect your business and employees can have the same degree of importance or even more than producing profit. In Louisiana, most employers are required by law to have Workers’ Compensation insurance regardless of the number of employees. All types of employees, whether part-time, full-time, minors or temporary should be covered by Workers’ Compensation insurance. Louisiana is full of opportunity and employers should want to protect their businesses from potential risks by obtaining Workers’ Compensation insurance coverage.
Contact PolicySweet® for more information or to get a quote for Workers’ Compensation insurance today.
List of Workers’ Compensation Exemptions
As a business owner, you have the right to know whether your industry or employee’s job is covered under Workers’ Compensation. There are certain industries or occupations that could be exempt from Workers’ Compensation coverage, so it’s important to be aware of what types of employees you have and whether they are eligible for coverage.
Employees who could be exempt from Workers’ Compensation include:
- Certain employees of a private residence.
- Musicians and performers.
- Private unincorporated farm employees.
- Employees that are covered by certain federal laws.
- Employees of railroads involved with interstate or foreign commerce.
- Airplane crew members involved in spraying operations.
- Uncompensated officers and board members of certain non-profit organizations.
By understanding Workers’ Compensation coverage and who is eligible for it, you can ensure that your employees could be protected. Additionally, having insurance coverage in place can help protect your business from potential liabilities.
Should You Get Workers’ Compensation Insurance?
The thing with Workers’ Compensation is that it may be required in Louisiana if you have employees. Not having a policy can potentially cost you in the long run. Your business could be fined $250 or more for every employee, making the cost of not having insurance most likely higher than that of buying it. Moreover, the possibility of your business being shut down is likely if you are found to be uninsured.
Request a Quote Today
With the importance and benefits that a Workers’ Compensation insurance policy can provide to your business, you should consider getting one today. As a business owner, it is important that you help protect your employees and yourself. Request a quote today to find out how much coverage could cost. At PolicySweet, we can help you obtain a Workers’ Compensation insurance policy.
Give us a call or fill out our online form to get started!
Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.