NEXT is the best workers' comp insurance in Louisiana, with excellent customer service and comprehensive coverage options. The Hartford and Simply Business offer alternatives for Louisiana business owners.
Workers' Comp Insurance in Louisiana
NEXT tops our analysis as Louisiana's best workers' compensation insurance provider, with an overall score of 4.58 out of 5.
Compare top Louisiana workers' comp insurance providers and find your ideal coverage.
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Updated: October 26, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business lead Louisiana's workers' comp insurance market with top overall performance scores.
Your business type, number of employees, previous claims and available budget determine which Louisiana workers' comp provider fits best.
To find the best small business insurance for your workers' comp needs in Louisiana, request multiple quotes, verify provider expertise in your industry and review their coverage options.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Workers' Comp Insurance Companies in Louisiana
| NEXT | 4.58 | $80 |
| The Hartford | 4.53 | $80 |
| Simply Business | 4.49 | $83 |
| biBERK | 4.44 | $85 |
| Coverdash | 4.43 | $85 |
| Hiscox | 4.37 | $81 |
| Progressive Commercial | 4.36 | $82 |
| Thimble | 4.35 | $81 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE IN LOUISIANA
While workers' compensation is required, your company might need additional insurance. Here are other types of coverage:
Best Louisiana Workers’ Comp Insurance Reviews
NEXT and The Hartford offer great coverage for business owners with workers' comp requirements across Louisiana.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$80Based on average costs for Louisiana businessesOur survey: Claims process
3.9/5Rating from MoneyGeek's provider satisfaction surveyOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$80Based on average costs across multiple business typesOur survey: Claims process
4.5/5Rating from customer satisfaction survey responsesOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Louisiana
Louisiana businesses can secure the cheapest workers comp insurance through NEXT for $80 monthly ($960 annually). The Hartford and Thimble offer comparable rates at $80 and $81 per month, respectively, with all three providers separated by less than $1 monthly.
| NEXT | $80 | $960 |
| The Hartford | $80 | $965 |
| Thimble | $81 | $969 |
| Hiscox | $81 | $977 |
| Progressive Commercial | $82 | $987 |
| Simply Business | $83 | $994 |
| Coverdash | $85 | $1,015 |
| biBERK | $85 | $1,020 |
| Chubb | $99 | $1,184 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Louisiana
Workers' compensation insurance in Louisiana costs businesses an average of $84 per month or $1,008 annually. Louisiana's rates run $10 above the national monthly average of $74. Your business's actual premium depends on several factors, including your industry's risk level, number of employees, total payroll and previous claims record.
Average Cost of Workers' Comp in Louisiana by Industry
In Louisiana, workers' comp insurance cost varies by industry risk level. Monthly premiums range from $7 for speech therapists to $948 for roofing contractors. This substantial difference reflects the varying workplace injury risks across different professions in Louisiana.
| Accountants | $23 | $277 |
| Ad Agency | $18 | $217 |
| Auto Repair | $174 | $2,083 |
| Automotive | $133 | $1,602 |
| Bakery | $61 | $737 |
| Barber | $16 | $194 |
| Beauty Salon | $16 | $197 |
| Bounce House | $46 | $551 |
| Candle | $46 | $546 |
| Cannabis | $95 | $1,136 |
| Catering | $84 | $1,003 |
| Cleaning | $56 | $670 |
| Coffee Shop | $54 | $652 |
| Computer Programming | $32 | $386 |
| Computer Repair | $27 | $330 |
| Construction | $208 | $2,501 |
| Consulting | $35 | $415 |
| Contractor | $188 | $2,262 |
| Courier | $257 | $3,083 |
| DJ | $16 | $194 |
| Daycare | $15 | $183 |
| Dental | $13 | $153 |
| Dog Grooming | $74 | $884 |
| Drone | $31 | $366 |
| Ecommerce | $25 | $295 |
| Electrical | $66 | $788 |
| Engineering | $44 | $524 |
| Excavation | $122 | $1,467 |
| Florist | $69 | $828 |
| Food | $49 | $584 |
| Food Truck | $52 | $621 |
| Funeral Home | $31 | $367 |
| Gardening | $54 | $645 |
| HVAC | $71 | $857 |
| Handyman | $107 | $1,282 |
| Home-based | $11 | $138 |
| Hospitality | $80 | $961 |
| Janitorial | $55 | $664 |
| Jewelry | $34 | $414 |
| Junk Removal | $160 | $1,920 |
| Lawn/Landscaping | $43 | $516 |
| Lawyers | $60 | $718 |
| Manufacturing | $67 | $804 |
| Marine | $172 | $2,066 |
| Massage | $17 | $198 |
| Mortgage Broker | $16 | $189 |
| Moving | $299 | $3,583 |
| Nonprofit | $36 | $436 |
| Painting | $161 | $1,934 |
| Party Rental | $42 | $508 |
| Personal Training | $29 | $344 |
| Pest Control | $80 | $961 |
| Pet | $35 | $425 |
| Pharmacy | $7 | $87 |
| Photography | $20 | $235 |
| Physical Therapy | $8 | $94 |
| Plumbing | $73 | $873 |
| Pressure Washing | $97 | $1,158 |
| Real Estate | $34 | $411 |
| Restaurant | $73 | $874 |
| Retail | $40 | $479 |
| Roofing | $948 | $11,377 |
| Security | $60 | $714 |
| Snack Bars | $50 | $600 |
| Software | $30 | $366 |
| Spa/Wellness | $20 | $237 |
| Speech Therapist | $7 | $81 |
| Startup | $15 | $178 |
| Tech/IT | $31 | $373 |
| Transportation | $264 | $3,173 |
| Travel | $8 | $97 |
| Tree Service | $251 | $3,017 |
| Trucking | $308 | $3,695 |
| Tutoring | $12 | $138 |
| Veterinary | $23 | $271 |
| Wedding Planning | $33 | $392 |
| Welding | $133 | $1,599 |
| Wholesale | $45 | $546 |
| Window Cleaning | $240 | $2,877 |
How Much Workers' Comp Insurance Do I Need in Louisiana?
In Louisiana, employers must get workers' compensation insurance as soon as they hire their first employee. This insurance covers medical expenses and lost wages when workers get injured or become ill because of their job.
Unless you're exempted from workers' comp coverage, businesses that fail to maintain proper coverage face serious consequences, including fines up to $10,000 and potentially, jail time.
Sole proprietors
Self-employed business owners can typically opt out of carrying workers' comp coverage on themselves while maintaining coverage for any employees.
Corporate officers
Executive officers owning at least 25% of company stock can elect to exclude themselves by filing a written waiver with proper documentation.
Real estate agents
Licensed real estate professionals working on commission basis qualify for exemption when operating under independent contractor agreements.
Domestic workers
Household employees working fewer than 40 hours per week or earning less than $500 per quarter may be exempt from mandatory coverage.
Agricultural workers
Small farms with fewer than five regular employees or annual payroll under $20,000 can operate without workers' comp insurance.
Independent contractors
Workers meeting state criteria for independent contractor status through proper documentation and separate business operations can be exempt.
Religious organizations
Members of religious organizations who have taken vows of poverty while working for their church may qualify for exemption.
Professional athletes
Professional athletes often operate under separate injury protection agreements, allowing exemption from standard workers' comp requirements.
How to Get the Best Workers' Comp Insurance in Louisiana
You can find workers' comp insurers that provide reasonable business insurance rates. Start by gathering quotes from multiple providers, examining their coverage details and evaluating their claims handling to get business insurance in Louisiana.
- 1Check coverage requirements
Louisiana law requires most businesses with employees to carry workers' compensation insurance. Understanding your obligations helps avoid penalties and ensures proper protection for your workforce
- 2Collect business data
Prepare accurate payroll records, employee counts, and job classifications before requesting quotes for small business insurance in Louisiana. Having correct information prevents coverage gaps and unexpected premium adjustments during audits.
- 3Get multiple insurance quotes
Contact at least three insurance carriers to compare rates in Louisiana and find cheap business insurance. Insurance costs can vary between providers, even for similar coverage levels
- 4Find industry-specific expertise
Select insurers with experience in your business sector. Look for providers who understand Louisiana's specific safety regulations and industry requirements so they can recommend other types of business insurance coverage suited for your industry.
- 5Review provider performance
Examine each insurer's claim processing times and complaint history. Consider workplace safety programs or return-to-work assistance
- 6Understand policy details
Review coverage limits and exclusions carefully. Consider flexible payment options, like pay-as-you-go workers' comp.
- 7Schedule annual reviews
Mark your calendar for yearly coverage evaluations.
Louisiana Workers’ Comp: Bottom Line
Louisiana business owners have access to several top-tier workers' compensation insurance providers. Our analysis shows NEXT, The Hartford and Simply Business lead the pack in Louisiana. Compare quotes from these providers to find the best fit for your specific industry needs and company size.
Louisiana Workers' Comp Insurance: FAQ
Understanding workers' comp insurance requirements and costs in Louisiana often creates confusion for business owners.
Is workers' comp insurance required for all Louisiana businesses?
Louisiana law requires employers with one or more employees to carry workers' compensation insurance. Some exceptions include independent contractors, sole proprietors, and corporate officers who own at least 10% of company shares. Businesses without coverage face fines up to $10,000, potential criminal charges with jail time up to 10 years, and liability for employee injury costs.
How much does workers' comp insurance cost in Louisiana?
NEXT offers the lowest-priced workers' compensation insurance in Louisiana at $80 per month ($960 annually). Final premium costs depend on your business's industry risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in Louisiana?
Louisiana workers' comp insurance covers medical expenses and partial wage replacement for work-related injuries or illnesses. Benefits include necessary treatments, rehabilitation, and lost wages during recovery. The coverage protects employers from lawsuits while providing essential benefits to employees, not independent contractors.
Which workers' comp insurance company is best in Louisiana?
NEXT leads Louisiana's workers' comp providers with a 4.58 overall score, excelling in customer service (4.70) and coverage options (4.80). The Hartford follows at 4.53, known for consistent service quality, while Simply Business ranks third with 4.49, offering the most comprehensive coverage options (4.90). Choose based on your priority: service quality, reliability or coverage breadth.
What happens if I don't have workers' comp insurance in Louisiana?
Operating without workers' compensation insurance in Louisiana is illegal and carries severe penalties. Employers face fines up to $10,000, potential criminal charges and business closure. The Louisiana Workforce Commission enforces compliance and can order companies to stop operations. Employers must also pay injured workers' medical expenses and lost wages directly.
Do sole proprietors need workers' comp insurance in Louisiana?
Sole proprietors in Louisiana are exempt from workers' compensation requirements since they aren't considered employees.
How do I choose the right workers' comp insurance company in Louisiana?
Get quotes from at least three workers' compensation insurance providers in Louisiana to compare rates and coverage options.
How We Scored the Best Workers' Comp Insurance Companies in Louisiana
How we scored each provider:
We evaluated companies across four weighted categories that reflect what matters most when you're buying workers' comp coverage in Louisiana:
- Affordability (50%): Monthly premium comparisons across all companies for common business profiles
- Customer Experience (30%): J.D. Power ratings, Louisiana Department of Insurance complaint data, and independent reviews of claims handling
- Coverage Options (15%): Policy flexibility, available add-ons, and coverage limitations for Louisiana-specific industries and regulatory requirements
- Financial Strength (5%): AM Best ratings indicating the company's ability to pay claims long-term
Why these weights: Workers' comp premiums in Louisiana can make or break your budget, especially for small businesses in high-risk industries. Cost dominates because even comprehensive coverage becomes worthless if you can't afford it. Customer experience carries substantial weight because when your employee gets injured, you need an insurer that processes claims quickly and treats injured workers fairly, delays and disputes create legal headaches and damage employee morale.
Coverage options matter because Louisiana's regulatory requirements and industry-specific risks demand flexible policies that adapt to your business type. Financial strength rounds out the evaluation, ensuring your insurer can actually pay claims when workplace injuries occur.
This methodology prioritizes real-world value for Louisiana business owners who need affordable premiums from financially stable companies that handle claims efficiently and understand the state's complex workers' comp regulations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.