Short answer: Yes. Louisiana employers must carry workers' compensation even if they have only one employee, whether full-time, part-time, temporary or seasonal, according to the Louisiana Workforce Commission. Employers can't deduct premiums from paychecks. Uninsured employers face fines up to $250 per employee for a first violation and $500 per employee after, plus possible criminal charges.
One employee triggers the requirement
The Workforce Commission's employer coverage FAQ answers the headcount question directly: employers in Louisiana must maintain workers' compensation insurance even if they only have one employee, including part-time, full-time, temporary or seasonal workers.
Ways to comply
The Office of Workers' Compensation lists three options: buy a policy from an insurer authorized in Louisiana, qualify as an individual self-insurer, or join an approved group self-insurance fund. Louisiana Workers' Compensation Corporation (LWCC) writes coverage for employers who struggle to find it elsewhere.
Premiums can't come out of wages
Louisiana law prohibits employers from making employees pay for workers' comp, including workers who have been misclassified as independent contractors. Violators can face civil and criminal fines and possible jail time.
Penalties for going uninsured
According to the Commission:
- Up to $250 per employee for a first violation
- Up to $500 per employee for later violations, with a cap of $10,000 for related violations
- Criminal charges for willful failure to provide coverage
Out-of-state employers
The Commission's FAQ addresses out-of-state employers separately. If your employees work in Louisiana, ask your carrier to confirm that your policy extends there, and get that confirmation in writing before the job starts.
Contractors and the statutory employer rule
Louisiana's statutory employer doctrine can make a principal contractor responsible for benefits owed to an uninsured subcontractor's workers. Collect certificates of insurance from every subcontractor.
Bottom line
In Louisiana, the first paycheck you write means you need coverage. See our workers' compensation insurance overview.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Louisiana.
Frequently asked questions
Is workers' comp required in Louisiana for one employee?
Yes, including part-time, temporary and seasonal employees.
Can Louisiana employers deduct workers' comp from wages?
No. Employers cannot make employees pay for coverage, including misclassified contractors.
What is the fine for no workers' comp in Louisiana?
Up to $250 per employee for a first violation and up to $500 per employee for later ones, capped at $10,000, plus possible criminal charges.
How can Louisiana employers get coverage?
Through an authorized insurer, individual self-insurance or an approved group self-insurance fund.
Is a contractor liable for a subcontractor's workers in Louisiana?
It can be, under the statutory employer rule, so collect subcontractor certificates.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.