What Workers’ Compensation Insurance Requirements Apply in Louisiana?

Louisiana employers must carry workers’ compensation even with one part-time, temporary, seasonal, or full-time employee. The statute’s household and unincorporated-farm exception is limited to work with annual net earnings of $1,000 or less per employee and $2,500 or less for all farm employees, when the work is not incidental to or part of a trade, business, or occupation.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

Louisiana Workers’ Compensation Insurance Requirements

Requirement	Details
Employee threshold	1+ employee, including part-time, seasonal, or temporary ¹

What to Watch for With Workers’ Compensation in Louisiana

One Worker Triggers Coverage
The Office of Workers’ Compensation says even a single part-time, seasonal, or temporary employee requires coverage. Include short-term and seasonal hires in the quote before their first workday. ¹
Household and Farm Exceptions Have Two Earnings Caps
The statute’s exception applies only to qualifying private-household or unincorporated-farm work at no more than $1,000 annual net earnings for a worker and $2,500 total for all farm employees, and only when the work is not incidental to a trade or business. Keep the work type and each earnings total documented before claiming the exclusion. ²
An Uninsured Subcontractor Can Create Benefit Liability
The Office says a business may be responsible for benefits when it hires an uninsured contractor or subcontractor for work that is part of its trade or business, and its insurer may charge premium on the contract. Verify subcontractor coverage and tell your broker how the subcontracted work fits your operations. ^1,³
Out-of-State Policies Need Louisiana Territorial Coverage
The Office says an out-of-state employer may use coverage under its home-state law only if the coverage extends into Louisiana; an employer hiring employees in Louisiana needs a policy from an insurer authorized there. Ask for confirmation of territorial coverage before sending crews across the state line. ¹

Which Workers’ Compensation Providers Have Louisiana License Records?

These providers publish a national listing for Workers’ compensation; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Louisiana. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi lists workers’ compensation insurance.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹³
ERGO NEXT offers workers’ compensation insurance for small businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹²
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁵
Vouch lists workers’ compensation among core coverages for technology companies.

Who Regulates Insurance in Louisiana?

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-259-5300

Surplus-Lines Tax and Stamping Office in Louisiana

Reported tax rate. 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 ^7,⁸

For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply.

Questions to Ask Before You Buy Workers’ Compensation in Louisiana

Does our seasonal or temporary first hire trigger Louisiana coverage?
Does our home-state policy extend to our employees’ Louisiana work?
Which subcontractors perform part of our trade or business, and how will their coverage be verified?

Workers’ Compensation Insurance in Louisiana: FAQ

Is workers’ comp required in Louisiana for one employee?

Yes. The Office of Workers’ Compensation says employers must maintain coverage with even one part-time, temporary, seasonal, or full-time employee. ¹

Can a Louisiana farm exclude low-earning labor from workers’ comp?

Sometimes. The statute sets worker and total-farm annual net-earnings caps and requires that the work not be incidental to or arise from a trade, business, or occupation. ²

Sources for Workers’ Compensation Insurance in Louisiana

1
FAQ: Workers’ Compensation Coverage for Employers. Louisiana Workforce Commission, Office of Workers’ Compensation; Questions 1–3, 8–12: employee threshold, exclusions, options, subs, penalties, out-of-state work; accessed 2026-09-28. Accessed 2026-09-28.
2
La. R.S. 23:1035, Employees covered. Louisiana State Legislature; §1035(A) owner elections; §1035(B) private residential/farm earnings exclusion; accessed 2026-09-28. Accessed 2026-09-28.
3
La. R.S. 23:1061, Principal contractors; liability. Louisiana State Legislature; §1061(A)(1): principal undertakes trade/business work and contracts with contractor; liability to contractor’s employees; accessed 2026-09-28. Accessed 2026-09-28.
4
Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
5
Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
7
Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
8
La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Workers’ Compensation Insurance Requirements Apply in Louisiana?

What Is Workers’ Compensation Insurance?

Louisiana Workers’ Compensation Insurance Requirements

What to Watch for With Workers’ Compensation in Louisiana

One Worker Triggers Coverage

Household and Farm Exceptions Have Two Earnings Caps

An Uninsured Subcontractor Can Create Benefit Liability

Out-of-State Policies Need Louisiana Territorial Coverage

Which Workers’ Compensation Providers Have Louisiana License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch