David never thought much about workplace injuries at his Baton Rouge law firm. After all, his employees weren’t lifting heavy equipment or working around hazardous materials. But that changed when his paralegal, Lisa, tripped over a loose power cord and fractured her wrist. The medical bills and time off work added up fast. Worse, Lisa wasn’t happy about how the situation was handled and sought legal action against the firm. That’s when David realized: workers’ compensation insurance isn’t just for high-risk jobs—it’s a must for law firms, too.
It’s easy to assume that office jobs come with little risk. However, law firms still face workplace hazards that can lead to costly claims, including:
Workers’ compensation insurance ensures your firm can cover medical expenses, lost wages, and rehabilitation costs for injured employees while protecting itself from legal disputes.
Yes. Under Louisiana law, businesses with even one employee must carry workers’ compensation insurance, regardless of industry. This includes attorneys, paralegals, administrative staff, and part-time employees. Failing to provide coverage can result in:
For Baton Rouge law firms, compliance isn’t optional—it’s a legal and financial necessity.
A tailored workers’ compensation policy can provide:
Covers doctor visits, hospital stays, physical therapy, and prescription medications for workplace injuries.
Compensates employees for a portion of their income while they recover.
For severe injuries that prevent employees from returning to full duty, temporary or permanent disability payments help replace lost earnings.
If an employee files a lawsuit over a workplace injury, workers’ compensation helps cover legal fees and settlements.
By having the right policy in place, law firms minimize financial risks and ensure their employees receive the support they need.
Not all policies are created equal. When selecting coverage for your firm, consider:
Law firms with more employees or multiple locations may need higher policy limits. An insurance advisor can help determine the right amount of coverage.
Many law firms now offer hybrid or remote work, but workers’ comp still applies if an injury happens while working from home. Make sure your policy reflects this.
3. Employer’s Liability Insurance
This extends beyond basic workers’ compensation, covering legal defense costs if an employee sues for negligence.
Some policies exclude stress-related claims—but law firms face high-pressure work environments. Choosing a policy that covers mental health-related claims can protect your firm from unexpected lawsuits.
A strong risk management plan helps prevent injuries and claims before they happen. Law firms can reduce risks by:
A proactive approach keeps insurance costs lower while promoting a safer work environment.
Without coverage, a single workplace injury could lead to:
For Baton Rouge law firms, the risks outweigh the cost of coverage.
Even in a low-risk office setting, accidents happen. Workers’ compensation insurance protects your employees, your finances, and your firm’s reputation.
By choosing a policy tailored to your law firm’s unique risks, you can stay compliant with Louisiana law while creating a safer, more secure workplace.
If your Baton Rouge law firm doesn’t have workers’ compensation insurance—or you need a customized policy—talk to an experienced insurance provider today. The right coverage keeps your firm protected, no matter what happens.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
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