Founded in 1989 with a focus on construction and related industries, today LC&I offers workers’ comp programs to a diverse range of small- and medium-sized businesses throughout Louisiana. Ask your independent agent, or call (985) 612-1230 to learn more.

Though LC&I insures payroll in 170 other class codes, our top 25 classes of written business include:

• 8810 Clerical
• 8835 Home Health Nurses
• 8829 Nursing Homes
• 8006 Service Stations
• 8742 Outside Salespeople
• 8391 Auto/Truck Dealers
• 5645 Carpentry – Residential
• 8868 Teachers
• 8832 Physicians
• 8018 Stores – Wholesale
• 5474 Painters
• 3724 Millwright
• 5190 Electricians

• 7219 Trucking
• 7720 Security Guards
• 9082 Restaurants
• 9014 Janitorial Services
• 8833 Hospital Professional Employees
• 8033 Grocery Stores
• 8292 Storage Warehouses
• 2110 Pickle Manufacturing
• 8232 Lumberyards
• 3632 Machine Shops
• 8820 Attorneys
• 8265 Iron or Steel Scrap Dealers

Our standard payment plan is 10% down and 10 equal installments with no interest charged. Of course, payroll reporting and other payment plans may be discussed with underwriting. In the event of policy cancellation, safety fees and association dues will not be refunded. And remember, every account is subject to a premium audit. (what is a premium audit and when do they occur)

• Minimum payroll - $18,000
• Minimum premium - $1,500 (degree of risk may require higher premiums)
• Minimum payroll for Sole Proprietors and Partners - $5,200
• Maximum payroll for Sole Proprietors and Partners - $23,700 per person, per year
• Minimum payroll for Owners/Officers of a corporation - $15,600
• Maximum payroll for Owners/Officers of a corporation - $46,800
• Charge for increased limits of Employers Liability – 1.7% of premium for limits of $500,000/$500,000/$500,000 or 2.8% of premium for limits of $1,000,000/$1,000,000/$1,000,000