We’ve all heard of Workers’ Compensation. It’s a program that pays benefits to workers in the event they are injured on the job. But, as a business in Baton Rouge, do you know what your obligations are when it comes to carrying Workers’ Compensation Insurance? Read on to learn more.
All Louisiana Businesses That Employ Others Must Carry Workers’ Compensation Insurance
Whether your Louisiana business employs 1 or 1,000+ employees, as a business owner you are required by the state to purchase Workers’ Compensation insurance. That’s right. Whether your employees are full-time or part-time, seasonal or even minors under the age of 18, they must be covered by your Workers’ Compensation insurance from day 1 of their employment.
The Exceptions to Louisiana Workers’ Compensation Law
Of course, as with all things that have to do with the law, there are exceptions. If you have subcontractors or independent contractors, but not employees, they aren’t required to be covered by your Louisiana Workers’ Compensation insurance policy. But don’t think you can give those extra set of helping hands the title of “subcontractor” or “independent contractor” and call it a day. The state of Louisiana is very strict about who is and isn’t a subcontractor or independent contractor, meaning that if someone who performs work for you in a significant capacity, the state may consider them employees, even if you don’t call them that.
Additional exemptions to Workers’ Compensation Law include:
- Domestic employees such as nannies and housekeepers
- Most real estate agents
- Uncompensated Directors and Officers of certain qualifying Non-Profit Organizations
- Public Officials
- Unpaid volunteer workers
- Musicians and/or other artists and performers who are working as part of executing a performance contract
- Employees who are covered by the Federal Employer’s Liability Act
- Employees who are covered by the Longshore and Harbor Workers’ Compensation Act
- Offshore employees covered by the Jones Act
- Oil and gas workers who are performing work related to the exploration, development, production or transportation of minerals
- Railroad employees
- Employees who work on other forms of transportation including interstate or foreign commerce.
That’s quite a bit of Louisiana Workers’ Compensation Law for businesses to navigate, isn’t it?
Make Sure Your Firm is Protected
As you can see, when it comes to whether or not you need to carry Workers’ Compensation Insurance, the Louisiana law isn’t so cut and dry. That’s where E&M Law Firm comes in. As a business attorney, Ashly Earl can help your organization navigate state law and determine your Workers’ Compensation liabilities. For a free consultation, call us today at (225) 687-1111.