Workers' Compensation by state

Workers' compensation requirements in Louisiana

Required

Direct answer

Does Louisiana require workers' compensation insurance?

Yes. Louisiana requires workers' compensation coverage once a business has one or more employees, under the Louisiana Workers' Compensation Act. Louisiana requires employers with one or more employees, full-time or part-time, to carry workers' compensation coverage. Coverage is obtained from private insurers or through an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Louisiana requires employers with one or more employees, full-time or part-time, to carry workers' compensation coverage. Coverage is obtained from private insurers or through an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Failing to carry required coverage can result in civil penalties, possible criminal liability for willful violations, and direct exposure to an injured worker's claim.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Some real estate agents paid by commission
Certain domestic workers in a private home
Musicians and performers under limited engagements

Statutes and sources

Louisiana Workers' Compensation Act

La. Rev. Stat. Ann. sect. 23:1021 et seq.

Regulator: Louisiana Workforce Commission, Office of Workers' Compensation . Last verified 2026-07-29 from the official source .

Related Louisiana compliance pages

Insurance

Louisiana cyber liability

Licensing and bonds

Louisiana licensing, bond, and regulator directory

Get Louisiana coverage handled

Share a few details and an agent will respond within one business day.

Request a quote Talk to an agent