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Louisiana Businesses We Cover with Workers’ Comp Insurance

Louisiana Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Manufacturing

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Louisiana Businesses

Worker’s comp insurance for the Bayou State.

Laissez les bon temps rouler! Mardi Gras. Cajun food. Gators. Beignets. Antebellum plantations. French Quarter. Pirates. Louis Armstrong. Voodoo. From wild and untamed to upscale accommodations, Louisiana has a little something for everyone.

It’s not all about the parties and fun, though tourism is one of the biggest industries. Louisiana has the largest concentration of crude oil refineries and one quarter of the nation’s natural gas production. Clustered near the Texas border and Mississippi River you’ll find plants that generate about 25% of the country’s petrochemicals. It’s big business and pays workers very well, trickling down to the area’s small businesses in real estate, contractors, entertainment, and health care. They even buy air boats to hunt the life-filled swamps! Shrimp, crawfish, crabs, oysters and alligators are the big catches in Louisiana, and contribute $2.4 billion annually and account for one in every 70 jobs.

Small businesses are a force of the Louisiana business landscape, with 99.5% of all businesses, or 437,437 companies, considered small. They hire 53.2% of all employees and put food on the tables of 917,466 families. Small businesses are the cogs that make Louisiana a well-oiled machine.

Foodie tourists flock to Louisiana for dishes prepared like nowhere else. Listen to zydeco while you enjoy a gulf breeze in the French Quarter and sop up every last drop of the barbecue shrimp sauce with crusty French bread. We don’t know what’s in boudin, and don’t want to, but it sure goes down easy. There’s no other way to start a New Orleans morning than a piping hot beignet and Café du Monde chickory coffee. And the crawfish, oh the fresh crawfish. Whether you find a mud bug mound in your front yard or attend the Breaux Bridge three-day extravaganza, January through June is the only time of the year to consume mass quantities of the critters.

Louisiana has its fair share of unique workplace accidents, so you’ll want workers’ comp coverage to protect your business and meet state requirements. When your restaurant has a run on fried gator and your bearded swamp man sous chef seizes the opportunity to bring a live gator actin’ crazier than a sprayed roach back for the dinner rush, you’ll be very thankful for coverage. On Ash Wednesday, when your hungover payroll clerk is still wearing beads from the night before and lassos herself on an open file cabinet, that’s covered too. Cerity is here for you when the good times roll a little too far!

Louisiana Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

917,466

number of Louisianans employed by small businesses


38,083

number of workplace injuries


150 million

annual yield of crawfish


2 million

number of alligators


10 million

number of Mardi Gras visitors


Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.