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In Louisiana, the law mandates that most employers provide Workers' Compensation insurance for their employees. This requirement extends to all workers, regardless of their employment status—whether full-time, part-time, seasonal, or even minors. While there are some exceptions, such as domestic employees and certain real estate salespersons, the general rule is clear: if you have employees, you need Workers' Comp.

Why Workers' Compensation is Crucial

Failing to secure Workers' Compensation insurance can lead to severe consequences for employers. The penalties for non-compliance are substantial:

• Fines: Employers who do not carry the required insurance may face fines of up to $250 per employee for a first offense. Repeat offenses can result in fines of up to $500 per employee.
• Financial Responsibility: Employers may be held liable for all medical expenses and compensation benefits that would have been covered by the insurance, along with potential legal fees.
• Operational Halt: The Louisiana Workforce Commission has the authority to issue a cease-and-desist order, effectively shutting down business operations until compliance is achieved.

Introducing LRA Workers' Comp

The Louisiana Restaurant Association (LRA) Workers' Comp program offers an industry-specific solution for businesses. It operates as a Self-Insured Fund, which is a non-profit, state-regulated, member-funded pool designed to provide comprehensive workers' compensation coverage. The program runs on a fund year from January 1 to December 31 and is licensed and approved by the Louisiana Department of Insurance.

By participating in the LRA Workers' Comp program, businesses can ensure compliance with state law while also benefiting from a tailored solution that understands the unique challenges of the restaurant industry.

Watch Our Video! 

To learn more about Workers' Compensation and how the LRA Workers' Comp program can benefit your business, watch our informative video! Here are some prompts to consider while watching:

1. What are the key requirements for Workers' Compensation in Louisiana?
2. How can the LRA Workers' Comp program help your business stay compliant?
3. What steps can you take to ensure your business is adequately protected against potential liabilities?
4. What are the advantages of joining a member-funded pool like LRA Workers' Comp?

By arming yourself with knowledge about Workers' Compensation and utilizing resources like the LRA Workers' Comp program, you can protect your business and your employees effectively. Don't leave your business's future to chance—make sure you're compliant and covered!

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