Workers Compensation Insurance
Bowles & Associates, Inc has competitive rates for Workers Compensation Insurance.
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What is Workers Compensation Insurance?
Workers compensation is insurance coverage for employees injured by a work related accident or illness. This includes injuries that may be the result of an illness caused by exposure to chemicals or airborne pollutants while on the job as well as an on the job accident regardless of who was at fault for the injury.
Workers’ compensation insurance protects employers and business owners from claims by employees resulting from such an on the job injury by providing medical benefits and wage replacement in exchange for relinquishing of the employee’s right to sue the employer for negligence. If a worker dies as a result of injuries sustained on the job, workers compensation insurance provides compensation to the employee’s family.
Is Workers Compensation Insurance Required?
By law, the State of Louisiana requires employers to provide workers compensation insurance to cover lost wages and medical bills incurred as a result of an on the job accident or work related illness. There are a few exceptions to the laws requiring workers compensation insurance. For example, an extremely small business, such as a home business operated by one or two people, may not need workers compensation insurance.
To make sure your business complies with Louisiana state law regarding workers compensation insurance, consult with a business insurance expert from Bowles & Associates, Inc. Our licensed insurance agents are familiar with all areas of workers compensation insurance in Louisiana and how it affects your New Orleans area business.
Through several years of industry involvement, Bowles & Associates, Inc is proud to represent and have a healthy relationship with nearly every insurance carrier doing business in Louisiana. These relationships insure our clients that they are getting the best possible coverage with the best possible premiums in the marketplace.