Workers Compensation Insurance Lake Charles

If you’re looking for workers compensation insurance in Louisiana we represent top rated insurance companies that can help your business find the coverage you need no matter what your modification rate factor may be. 

Jeff Davis Insurance provides competitive rates for workers compensation insurance in Lake Charles Louisiana and in all 65 parishes of Louisiana.

Call 337-824-4455 or click Lake Charles Workers Comp Insurance to submit your information to us online. 

Workers Compensation Insurance Lake CharlesWhy You Need to Buy Workers Compensation Insurance in Louisiana?

It’s required by Louisiana law. The law requires all full-time, part-time, seasonal, and even minors be covered by workers compensation insurance. 

Also you should be aware that subcontractors and certain independent contractors may be considered employees if they are involved in the pursuit of the employer’s trade, business or occupation or if they are performing substantial manual labor. 

Workers compensation insurance can also protect your business financially in the event an employee is injured on the job. 

What Happens If You Do Not Purchase Louisiana Workers Compensation Insurance?

Your business would be legally responsible to provide medical care, wage benefits, rehabilitation services, and/or death benefits! 

Example: You own a hardware store and one of your newest employees Eddie is instructed to a use the company forklift to transport a pallet of shingles to an awaiting delivery vehicle outside.  

Eddie by mistake grabs 6 pallets causing the forklift to be overloaded and the forklift tips over causing severe head trauma to Eddie.  Eddie survives the accident but will not be able to work for some time and his mother contacts you to file a workers compensation claim. 

You explain to Eddie’s mother that you do not have workers compensation insurance.  Eddie’s mother contacts a local attorney and a lawsuit is filed against you and your business and you are held legally responsible to cover $47,000 in medical bills plus $27,000 of lost wages. 

If you employ any individual even if they are a subcontractor you may be required to purchase workers compensation insurance under Louisiana state law and can be held legally responsible to pay their claims if you do not have workers compensation insurance! 

Call Jeff Davis Insurance When You Need Lake Charles Workers Comp Insurance.

As a leading independent agency in Lake Charles we can help your business find the workers compensation insurance you need. 

Call 337-824-4455 or click Louisiana Workers Comp Insurance to submit your information to us online. 

Need workers compensation insurance in other areas? We offer competitive rates in the following communities: 

  • Workers Compensation Insurance New Orleans
  • Workers Comp Insurance Baton Rouge
  • Shreveport Workers Compensation Insurance
  • Workers Compensation Insurance Lafayette Louisiana
  • Metairie Terrace Workers Compensation Insurance
  • Lake Charles Landlord Insurance
  • Bossier Workers Compensation Insurance
  • Workers Compensation Insurance Monroe Louisiana
  • Jennings Workers Compensation Insurance
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