Workers' Compensation

Protect Your Employees — and Your Business

Louisiana requires most employers with one or more employees to carry workers' comp. We make sure you're covered and compliant.

What's Covered

Medical Benefits

Covers all reasonable and necessary medical treatment for employees injured on the job — no deductible for the employee.

Lost Wage Replacement

Pays a portion of the employee's wages while they are unable to work due to a covered work injury.

Rehabilitation Costs

Covers physical therapy and vocational rehabilitation to help injured employees return to work.

Employer Liability

Protects your business if an injured employee sues beyond the workers' comp system — covers legal defense and judgments.

Death Benefits

Provides benefits to the dependents of an employee who dies as a result of a work-related injury or illness.

Who It's For

Most Louisiana employers with one or more employees are required by law to carry workers' comp. Texas does not require it but strongly recommends it — uninsured employers face significant personal liability.

Why Harbor Point

Failure to carry required workers' comp in Louisiana can result in stop-work orders, fines up to $250 per day, and personal liability for all injury costs. We work with Pie Insurance, Texas Mutual, and other carriers to find competitive rates by industry class.

Get a Free Quote Today

We shop multiple carriers to find the best combination of coverage and price for your specific situation.

Get a Free Quote Read Our Business Coverage Checklist