Contractors in Louisiana must carry specific insurance coverage to stay licensed and compliant. Insurance requirements can vary based on license type, payroll, and contractual obligations. Understanding what is required protects your business and prevents delays, fines, or rejected certificates.
Licensed contractors in Louisiana are required to carry workers compensation insurance if they have employees and to keep their license active. You cannot be a licensed contractor without workers compensation, it's a requirement. Workers' comp provides medical coverage and wage replacement for injured workers and is often required before a license can be issued or renewed.
We help contractors structure payroll and classifications correctly to avoid audit surprises and compliance issues.
General liability is a required insurance policy to become a licensed contractor. General liability insurance protects against property damage and bodily injury claims arising from your work. Many projects require minimum limits of $1,000,000 per occurrence. Certain contracts may require additional insured endorsements and specific certificate wording.
Incorrect certificate language is one of the most common reasons jobs are delayed.
Certificates of insurance are often required by general contractors, property owners, and licensing boards. Certificates must reflect accurate limits, policy dates, and endorsement wording. Submitting incomplete or incorrect certificates can delay licensing, project approval, and payment.
We review contracts before we start quoting. We will tell if the quote will meet the insurance requirements or not. By doing this, when it comes time to issue certificates of insurance their are no surprises, delays, or rejections because we have made sure that the policy or policys are correct.
• Operating without workers comp
• Carrying personal auto instead of commercial auto
• Not scheduling tools and equipment
• Incorrect liability limits
• Missing additional insured endorsements
Roofers, general contractors, concrete crews, painters, drywall installers, carpenters, flooring contractors, and remodelers often face different contract requirements depending on project size and scope. We review job specific requirements to ensure coverage aligns properly.
Ideal Insurance LLC
102B Woodvale Ave, Lafayette, LA 70503
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