Worker’s Compensation Insurance
Protect Your Employees and Your Business with Workers Compensation Insurance.
Since 1946, we’ve helped families across Acadiana and nationwide find the right coverage with a personal touch.
Insurance Tailored To You
Keep your team protected and your business compliant with a tailored workers compensation insurance policy from Dorsey Insurance Agency.
Serving Individuals, Families, and Communities Since 1946
Accidents can happen in any workplace — from construction sites to offices. Workers compensation insurance ensures your employees receive the care they need while protecting your business from costly claims and penalties.
At Dorsey Insurance Agency, we specialize in helping Louisiana businesses find affordable, compliant coverage. Whether you run a large operation or need workers compensation insurance for small business, our independent team compares multiple carriers to secure the right plan for your team and your budget.
What Is Workers Compensation Insurance?
If you’ve ever wondered what is workers compensation insurance, it’s a mandatory coverage that provides financial protection for both employers and employees when workplace injuries or illnesses occur. This coverage pays for medical care, lost wages, and rehabilitation costs, while also shielding your business from legal action.
Our experts help you find the right insurance for workers compensation so you can focus on running your business — not worrying about compliance or claims.
What Does Workers Compensation Insurance Cover?
A comprehensive policy provides protection for both sides of your business. Here’s what does workers compensation insurance cover:
- Medical Expenses – Doctor visits, hospital stays, and treatment for work-related injuries or illnesses.
- Lost Wages – Partial income replacement while employees recover.
- Rehabilitation Costs – Physical therapy and long-term recovery support.
- Disability & Death Benefits – Financial assistance for permanent disabilities or fatal accidents.
- Employer Liability – Legal protection if an employee files a claim related to a workplace injury.
Who Needs Workers Compensation Insurance?
Still wondering who needs workers compensation insurance? In most cases, every employer with W-2 employees must have it. It’s also highly recommended — and sometimes required — for the following:
- Contractors & Subcontractors – We provide workers compensation insurance for contractors and contractor workers compensation insurance that meets state and client requirements.
- Small Businesses – Even small teams need small business workers compensation insurance to stay compliant and covered.
- Independent Contractors & Sole Proprietors – If you’re self-employed, you can still benefit from workers compensation insurance for independent contractors, workers compensation insurance for sole proprietors, or even self employed workers compensation insurance to protect your income if an accident occurs.
- 1099 Workers – Many clients now require proof of workers compensation insurance for 1099 contractors before beginning a project.
In short, if you have employees, hire subcontractors, or perform physical work — you need this coverage.
Benefits of Having Workers' Compensation Insurance
- Keeps your business compliant with Louisiana state law.
- Covers medical bills and lost wages after a workplace injury.
- Protects your business from expensive lawsuits and legal fees.
- Builds trust and loyalty among your employees.
- Provides peace of mind for both business owners and staff.
Risks of Not Having Coverage
Without workers’ compensation insurance, you may face:
- Fines and legal penalties for non-compliance.
- Paying out-of-pocket for employee injuries or lost wages.
- Lawsuits that can cripple your business financially.
- Loss of business contracts with clients requiring coverage.
How We Help You Find the Right Policy
At Dorsey Insurance Agency, we make it simple to secure workers compensation insurance Louisiana businesses can rely on:
- Learn About Your Business – We review your employee count, risk exposure, and job classifications.
- Compare Multiple Carriers – As an independent agency, we find the best options for coverage and price.
- Tailor Your Plan – Whether you need workers compensation insurance for small business or workers compensation insurance for contractors, we’ll build a plan that fits.
Want To Know More? Contact Us Or Request A Quote.
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Workers compensation insurance typically costs $0.75 to $2.74 per $100 of payroll, depending on industry risk, claim history, and state laws. High-risk jobs like construction cost more, while low-risk office jobs cost less. Employers must maintain coverage to comply with legal and safety standards.
Get workers compensation insurance by contacting a licensed commercial insurance provider, broker, or state fund. Submit your payroll details, industry classification, and employee count to receive a quote. After approval, maintain coverage and report payroll updates to stay compliant with state regulations.
You need workers compensation insurance if you have employees, including part-time or temporary staff. Most U.S. states require it by law, with penalties for noncompliance. Exceptions vary by state, but businesses with at least one employee are typically required to carry coverage to protect against work-related injuries.