Did you know if you own a business in Louisiana, you are required to carry workers’ compensation insurance? What would you do if one of your employees slipped and fell in the kitchen and you were without workers’compensation coverage?
“Workers’ Comp
coverage is not an option,” said Stan Harris, President and CEO, LRASIF. “If you
are found to not have coverage, you can be charged as much as $10,000 in
fines.”
You should also ask any service provider for your business for an insurance certificate to verify they have workers compensation coverage in place. If not, an injury to one of their employees could be charged to the restaurant who hired the service provider.
The Louisiana
workers’ comp law applies to all employers in this state regardless of the
number of employees. It is not necessary that the employment be dangerous or
involves any forseeable risk of injury. In fact, the act establishes the
presumption that anyone rendering service for another in any trade, business or
occupation is an employee.
“Owners should not
assume that their personal health insurance will cover an accident that occurs
while working,” Harris added. “In most cases, they will be denied coverage.
Owners who are actively involved in the day-to-day operations should strongly be
included in coverage.”
The LRASIF is a participant
owned workers’ compensation fund for the hospitality industry. Workers’ comp
coverage with the LRASIF offers competitive rates, free loss prevention
services, responsive member service and support and expert industry-specific
claims handling.
"The service we get from the LRASIF, the timeliness, how fast they get information to us, get our employees in to see doctors to get treatment and get our employees back to work is what it's all about," said Tommy Cvitanovich, Drago's Seafood Restaurant owner.
The video contained in this post is a testimony from Cvitanovich about why he has coverage with the LRASIF, which covers restaurant and hospitality businesses within Louisiana.
“The LRASIF is a
tremendous benefit that positively affects our bottom line,” said Katy
Casbarian, co-proprietor of Arnaud’s Restaurant and an LRASIF member since
1983.
For more information about how
the LRASIF can help you with workers’ compensation, quotes and workplace
safety, call Debbie Cuccia or Michelle Guidroz at (504) 454-2277.
Are you covered? Let us have your back.
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