Like many states, in Louisiana, there are few exceptions to the workers compensation regulations, which require ALL employers to carry workers comp insurance, regardless of its’ number of employees, full or part-time. The purpose of the workers comp policy is to protect the employer from being sued by an employee who is hurt as a result of a work-related incident. Such an employee would receive lost wages and medical benefits with comp coverage. If a more serious job-related accident occurs, resulting in the death of an employee, the employee’s dependants would receive a financial death benefit from the workers compensation coverage.
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