If you’re a business owner in Zachary — or nearby Jackson or St. Francisville — do you really know what Workers’ Comp covers, who needs it, or why it matters? At Castello Agency, we talk with local business owners every day. Let’s break it down plainly.
What Is Workers’ Compensation Insurance?
Workers’ Comp covers medical expenses and lost wages when an employee gets hurt or sick because of their job. It also protects your business from lawsuits.
Do I Really Need It in Louisiana?
Yes. Businesses with one or more employees must carry Workers’ Comp — full-time, part-time, seasonal, and some subcontractors. Failing to carry it can lead to fines, stop-work orders, or personal liability.
What Does Workers’ Comp Actually Cover?
- Medical expenses for job injuries or illnesses
- Lost wages during recovery
- Rehabilitation services
- Disability benefits
- Death benefits
What It Doesn’t Cover
- Independent contractors
- Injuries outside of work
- Incidents caused by intoxication or intentional acts
- OSHA fines or legal penalties
Real-Life Example
A landscaping employee trips and breaks their wrist loading a trailer. Without Workers’ Comp: you’re on the hook for medical bills, lost wages, and legal fees. With coverage: your policy handles it — protecting both your employee and your business.
Let Castello Agency Help You Get It Right
We specialize in helping Louisiana small businesses get the right protection in place.
Call: 225-654-2313 | Text: 225-650-7861