Louisiana Workers' Comp Done Right.
State-specific workers' compensation for Louisiana contractors, construction firms, and small businesses. LWCC-compliant. Same-day certificates. Local expertise.
500+
Louisiana employers insured across all 64 parishes
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Louisiana WC specialists since 2005
- LWCC-compliant class coding
- Same-day COI turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Workers' comp built specifically for Louisiana employers.
Standard WC policies ignore Louisiana's unique class code system. We write policies designed for LWCC compliance, audit defense, and same-day certificate turnaround.
Not sure what you need? Get a coverage review →
The WC problems that cost Louisiana employers the most.
Most agents hand a Louisiana business a generic WC policy and call it done. Then an audit hits, the class codes are wrong, and you're paying thousands more than you should. We get it right from day one.
Run by people who know Louisiana
Josh Cotner founded CCA after years working in the trades. That background is why we understand what's at stake when a Louisiana WC audit reveals miscoded payroll.
LWCC Class Code Experts
Louisiana's workers' comp class code system is complex. We get it right the first time, preventing costly audit surprises.
Same-Day Certificates
Need a COI before breaking ground? We issue certificates the same day — often within the hour.
All 64 Parishes Covered
From Cameron Parish to the Florida Parishes, we write Louisiana workers' comp statewide.
Audit Defense Included
Year-end payroll audits can change your premium significantly. We advocate on your behalf to keep costs fair.
Local Agent Support
Speak to a Louisiana-licensed workers' comp specialist — not a call center — whenever you need help.
Competitive Louisiana Rates
We shop your coverage across top LWCC-approved carriers to find the most competitive rate for your class code.
From quote request to bound policy in about a day.
No two-week wait. A real conversation, real markets, and a policy you can actually understand — built around your business and Louisiana WC class codes.
Tell us about your business
Share your industry, payroll, employee count, and Louisiana parish. We match you to the right WC class codes from the start.
Receive your Louisiana WC quote
Competitive rates from LWCC-approved carriers, delivered in 15 minutes. No surprises, no hidden fees.
Bind coverage and get your COI
Sign online, pay your first installment, and receive your certificate of insurance the same day.
Stay compliant all year
We handle payroll audits, class code changes, and certificate requests so you can focus on running your business.
Or call 844-967-5247 — usually answered live.
Louisiana workers' comp. All 64 parishes.
Work Comp Louisiana places workers' compensation programs for employers in every Louisiana parish — from the Gulf Coast to the Ark-La-Tex.
- New Orleans Metro — Jefferson, Orleans, St. Bernard — hospitality, construction, and maritime
- Baton Rouge — East Baton Rouge, Ascension — petrochemical, healthcare, and construction
- Shreveport / Monroe — Caddo, Bossier, Ouachita — contractors and retail in NW Louisiana
- Lafayette / Acadiana — Lafayette, St. Landry — oilfield contractors, HVAC, and hospitality
- Lake Charles / SWLA — Calcasieu, Beauregard — industrial construction and petrochemical
- North Shore / Hammond — St. Tammany, Tangipahoa — residential contractors and small business
- Alexandria / Central LA — Rapides, Natchitoches — mixed contractor and retail market
- All 64 Parishes — Statewide Louisiana workers' comp coverage under a single policy
Statewide Louisiana WC coverage.
Writing Louisiana workers' comp in all 64 parishes since 2005.
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Louisiana businesses insured
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Years insuring Louisiana employers
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Average quote turnaround
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Louisiana parishes we serve
Businesses that found the right Louisiana WC coverage.
“As a New Orleans GC, I need same-day COIs constantly. Work Comp Louisiana delivers every time — no waiting, no runaround. Best WC experience I've had in 15 years of contracting.”
Antoine B.
General Contractor · New Orleans, LA
“They caught a class code error my previous broker had been billing me wrong for three years. The correction saved me nearly $8,000 at audit. These are real Louisiana WC specialists.”
Sandra M.
HVAC Contractor · Baton Rouge, LA
“When my roofer couldn't get coverage elsewhere after a bad year, Work Comp Louisiana found us a competitive rate through a specialty market. They know this industry cold.”
Derek P.
Roofing Contractor · Shreveport, LA
Louisiana workers' comp, in plain English.
Yes. Louisiana law (R.S. 23:1168) requires any employer with one or more employees to carry workers' compensation insurance. Failure to comply can result in fines, stop-work orders, and personal liability for workplace injuries.
Louisiana WC covers medical expenses, lost wages (indemnity benefits), vocational rehabilitation, and death benefits for employees injured on the job. The Louisiana Workers' Compensation Corporation (LWCC) administers the state's residual market.
Rates are based on your NCCI class code (which describes your industry and work type), your total payroll, and your experience modification factor (X-Mod). We review each factor to ensure you're not overpaying.
It depends on the relationship. Louisiana courts often reclassify 1099 subcontractors as employees. We can help you structure coverage correctly and advise when to require subs to carry their own policies.
LWCC is Louisiana's largest workers' comp carrier and serves as the state's market of last resort. We work with LWCC and several competitive private carriers to find the best rate for your class.
Same day — often within the hour after binding. We email COIs directly to general contractors, project owners, or any required third parties.
At year end, your insurer audits actual payroll vs. your estimate. If you under-reported, you owe additional premium. If you over-reported, you receive a refund. We help you prepare accurate estimates and defend your numbers at audit.
Yes. Louisiana WC covers all employees, including seasonal and part-time workers. Pay-as-you-go options let your premium track your actual payroll week by week.
Yes. Roofing is classified as high-hazard under NCCI class codes and carries some of the highest WC rates. We specialize in finding competitive roofing WC rates through multiple carriers.
Your X-Mod compares your claim history to industry averages. An X-Mod below 1.0 means a discount; above 1.0 means a surcharge. We advise on loss control strategies to keep your X-Mod competitive.
Sole proprietors and single-member LLCs are generally exempt, but can elect coverage. If you work as a subcontractor for general contractors, they will typically require you to carry your own WC.
Construction, roofing, HVAC, electrical, plumbing, restaurants, retail, healthcare aides, landscaping, oilfield services, and more. We know Louisiana class codes across all major industries.
Louisiana WC benefits are triggered immediately. The employee receives medical care, and if off work for more than 7 days, they receive indemnity (wage) benefits. We guide employers through the claims process step by step.
Yes. Fill out our quote form, and a licensed Louisiana WC specialist will contact you within 15 minutes. You can bind coverage and receive your COI entirely online.
Absolutely. A single Louisiana WC policy covers all your employees regardless of which parish they work in. We service all 64 parishes under one policy.
Most Louisiana WC policies are annual. Monthly pay-as-you-go programs are available for businesses with fluctuating payroll.
We add interstate exposure endorsements to ensure your Louisiana WC policy extends to other states where your employees work temporarily.
Yes. Kitchen staff, servers, bartenders, delivery drivers, and management are all covered. We write hospitality WC for small to medium Louisiana restaurants.
In most cases, yes. If your current carrier has become uncompetitive or your service is poor, we can facilitate a mid-term or renewal switch with minimal disruption.
Yes. Our pay-as-you-go programs integrate with payroll to calculate exact premiums each pay period, eliminating large deposit requirements and audit surprises.
Get Louisiana-Compliant Workers' Comp with coverage built for your business.
Whether you need a certificate today or a full Louisiana WC program with audit defense and claims advocacy — one call gets you real quotes from LWCC and competitive private markets. Not a voicemail and a two-week wait.
No obligation. No spam. Licensed all 50 states.