Workers Compensation Insurance in Lafayette, Louisiana

For construction businesses, workers compensation is often the most expensive policy you carry. Proper class code placement and payroll reporting are critical. We work with roofers, general contractors, concrete crews, painters, drywall installers, carpenters, flooring contractors, and remodeling businesses to structure workers compensation correctly and reduce audit surprises. 

• Payroll by classification code

• Experience modification factor

• Claims history

• Industry risk level

• Safety practices 

Small errors in classification or payroll reporting can significantly impact your premium. We review this with you before policy binding to prevent costly adjustments at audit 

Many general contractors and property owners require proof of workers' compensation before allowing work to begin. We help ensure certificates are issued correctly and promptly, so jobs are not delayed. 

 Here are answers to common questions we receive about Workers' Compensation in Lafayette, Louisiana. 

Workers' compensation is required if you have 1 or more employees. 

 Subcontractor relationships can affect workers compensation exposure. We review how your contracts are structured to reduce risk. 

Accurate payroll reporting and proper class codes are the most important steps. We guide contractors through this process before binding coverage. 

Owners do not have to be included on their workers' compensation policy. We review this with you when setting up your policy.