THE LWCC DIFFERENCE
Your LWCC Benefits: Always At Work
Workers’ comp insurance should support your business all the time, not just kick in when you report a claim. That’s why LWCC delivers benefits focused on driving real business value for our policyholders, helping you navigate day-to-day challenges and build long-term success.
With a shared interest in the safety of your workers, LWCC provides services free of additional charge to help mitigate risks and reduce workplace injuries.
Injured workers are provided prompt access to high-quality care and benefits, ensuring their well-being is prioritized every day of their recovery and return-to-work journey.
Our in-house experts skillfully manage your claim by balancing your business priorities with the timely and safe recovery of injured workers, facilitating an efficient return to the workplace and a meaningful life.
For policyholders seeking stable and predictable expenses, a guaranteed cost policy with a mutual carrier combines fixed premiums, competitive rates, and the added benefit of potential dividend returns, leading to long-term value.
Unlike providers that may enter or exit the market, LWCC is a nationally recognized insurer committed solely to creating stability for Louisiana businesses, backed by solid financial strength and best-in-class business practices.
Running a business is challenging enough – workers’ comp shouldn’t add to the burden. That’s why we invest in advanced technology and expert teams to ensure managing your account is as seamless and efficient as possible.
MUTUAL MEANS MORE FOR MEMBERS
Exclusive benefits for choosing a policy with a mutual carrier.
From day one, LWCC has been a
private
LWCC is a privately owned business, meaning it is not publicly traded or affiliated with the state. This allows our company’s leadership to make strategic, long-term decisions without the demands of short-term gains from shareholders, allowing us to prioritize the needs of our stakeholders.
,
mutual
LWCC operates for the benefit of its policyholders, rather than for shareholders or investors, which allows the company to focus its priorities on the long-term interests of Louisiana businesses. Our mutual status also allows for unique membership benefits, most notably our ability to share the financial success of the company through a dividend distribution. Choosing a mutual carrier matters, as we’re able to take the long view toward growth, stability, and benefits offered to our policyholders.
workers' comp insurance
LWCC provides insurance coverage to Louisiana businesses by taking on the risk associated with workplace injuries and illnesses. We empower safer workplaces across every industry through expert guidance and training on accident prevention. But when workers are injured, we provide medical and wage benefits while helping them return to work and a meaningful life with compassion and care.
carrier. That means our policyholders are members – so when you buy a policy, you become our priority. This shared interest in your business’ success keeps us focused on benefits that make your workplace safer, help you operate smarter, and grow stronger through controlled costs and dividend returns.
Risk management services help you work safer every day to protect workers and drive performance.
Featured Benefits
Jason Hazelton
Safety Services Consultant
Risk mitigation services are handled locally by Louisiana-based safety experts like Jason.
Partnership with a Louisiana safety expert
You have access to a knowledgeable team of safety consultants who can partner with your company’s leadership to understand your operations and customize safety solutions to meet your risk management needs.
Learn more
Access to a robust suite of free safety resources
Develop and enhance your employee safety training with LWCC’s rich catalog of digital content.
Our safety department is your safety department
As the most specialized workplace safety team in the state, LWCC’s Safety Services brings deep expertise in your industry’s specific risks and is ready to deliver the critical tools and insights needed to enhance your safety practices and create lasting value for your organization.
How Policyholders Benefit
52%
Lower workplace injury rates
Engaging safety experts can lower workplace injury rates by up to 52%, as reported by studies focused on proactive safety measures, according to OSHA.
48%
Reduction in lost work days
Engaged safety programs lead to a 48% reduction in lost work days due to injuries, according to OSHA
1.4
Workplace injury rate
LWCC’s commitment to safety helps keep Louisiana’s workplace injury rate at 1.4 per 100 full-timeworkers—the lowest of any state in the nation.
All Safety Services Benefits
Over 170 Years of Combined Safety Experience
LWCC’s team of skilled safety professionals are deeply immersed in workplace safety, bringing seasoned guidance to any operations setting. Regardless of where our policyholders are in their safety journey, Safety Services can add value and help innovate safety procedures.
Assistance with Maintaining OSHA Compliance
OSHA compliance involves adhering to complex regulations to ensure a safe and healthy work environment. This is crucial for preventing workplace injuries and avoiding legal penalties. Our safety consultants are well versed in OSHA standards and can provide guidance on maintaining compliance.
No Additional Cost
One of the significant advantages of being insured by LWCC is our commitment to offering more than just a workers' comp policy. From sharing industry best practices to addressing your risk and safety questions, we provide comprehensive support to our policyholders at no additional cost.
Customized Support for your Business
By collaborating with policyholders to review current procedures, plan for unforeseen events, recommend best practices, and develop risk reduction strategies, Safety Services ultimately save both lives and money. This proactive approach ensures a safer, more resilient workplace.
Guidance on Accessing Helpful Safety Resources
Our safety consultants are equipped with a comprehensive array of resources, enabling them to tailor training specifically to your workforce's needs. This customized approach ensures that your team receives the most relevant and effective safety education.
Explore how policyholders partner with safety services
Your injured worker’s experience is guided with care and expertise, from incident to full recovery.
Featured Benefits
All in for every injured worker.
As a tireless advocate for every injured worker, their family, and their employer, our job is to walk the journey with you.
And we get there through whole-person care that goes beyond the injury, training that better equips our people to serve, and empathetic relationships that build trust and confidence.
Learn about 360Care®
BROC
LWCC OMNET® Provider
Injured workers have prompt access to highly-skilled medical providers, like BROC.
Priority scheduling with skilled medical providers
The providers within LWCC’s statewide occupational medicine network, OMNET®, offer priority appointment scheduling for injured workers being covered by LWCC.
OMNET® providers are carefully selected from across the state based on their expertise, adherence to established treatment guidelines, and success in facilitating effective return-to-work outcomes.
Learn more about OMNET®OMNET® providers are carefully selected from across the state based on their expertise, adherence to established treatment guidelines, and success in facilitating effective return-to-work outcomes.
Greater access to wide range of specialized medical services
OMNET® is a network of 2,000+ healthcare providers and services including hospitals, clinics, specialists, pharmacies, physical therapists, chiropractors, diagnostic testing facilities, durable medical equipment vendors, rehabilitation resources, and home healthcare providers.
Browse LWCC’s OMNET® Directory
Collaborative return-to-work planning program for quicker and safer outcomes
LWCC works with Vocational Rehabilitation Specialists to help injured workers return to work by conducting on-site job analyses and recommending modified or transitional duty options.
Through the WorkAction program, LWCC collaborates with the treating physician and the employer to develop a transitional duty plan that enables the worker to re-enter the workforce safely and efficiently.
Learn more about WorkAction
Our team will work with your injured worker to:
Support Faster Recoveries
Immediate access to specialized medical providers through OMNET® helps ensure targeted, effective care for injured workers. Through programs like WorkAction, we collaborate with physicians to integrate modified job tasks into treatment plans, encouraging a safe and timely return to work.
Expedite Care and Support
Injured workers can connect with claims representatives quickly and easily–even by text–so questions never linger. Medical bill reviews move faster, and digital reimbursements are processed promptly, helping workers focus on healing while we handle the details.
Promote Fewer Lost Work Days
When workers receive prompt, effective care, they are often able to return to their roles sooner–even in modified capacities. This helps support productivity while managing overall costs.
Encourage Lower Litigation Rate
When employees feel supported with timely care and a clear path back to work, the claims process tends to run more smoothly. This contributes to greater satisfaction and helps reduce the likelihood of litigation.
Help Manage Claims Costs
By connecting injured workers to appropriate care quickly, OMNET® can help reduce both medical and lost-time claims costs, positively influencing your experience modifier (E-mod) and premium.
Our Partnership with Louisiana’s Occupational Medicine Providers
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Simple, time-saving claims management lets you prioritize workers without burdening your operations.
Featured Benefits
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Becky Harris
Claims Account Specialist
Claims are managed by local, Louisiana-based claims experts, like Becky.
Sub-specialized claims handling for better outcomes
Each claim is unique in scope and severity, which is why LWCC employs a sub-specialized approach to claims management. By assigning a dedicated specialist to oversee every unique aspect of a claim, we prioritize efficiency, reduce claims cost, and provide personalized service for every type of claim.
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Guidance from Louisiana’s best workers’ comp claims experts
LWCC's claims team leverages deep industry experience and an extensive knowledge of Louisiana’s workers’ comp laws to guide you through the process while ensuring compliance and a timely and safe return to work.
Technology-enhanced service and accessibility
Gain access to technology that enables you to report claims anytime, review claims details, notes and reserves – all designed to simplify and streamline your claims experience.
All In-House Claims Services
In-House Law Firm
We understand that our policyholders have businesses to run. It is our attorneys’ job to take the burden of workers’ comp legal matters off the shoulders of our policyholders.
LWCC’s in-house legal firm provides specialized counsel in workers’ compensation legal matters for Louisiana businesses. With deep expertise in state workers’ comp defense, longshore defense, subrogation, Second Injury Fund, and employer liability defense, they handle disputes of all sizes and complexities.
LWCC’s in-house legal firm provides specialized counsel in workers’ compensation legal matters for Louisiana businesses. With deep expertise in state workers’ comp defense, longshore defense, subrogation, Second Injury Fund, and employer liability defense, they handle disputes of all sizes and complexities.
Fraud Prevention Unit
LWCC’s Special Investigations Unit (SIU) plays a critical role in protecting policyholders by aggressively combating workers’ comp fraud. By collaborating closely with our in-house claims team, the SIU identifies and investigates suspicious claims, helping to mitigate exposure and reduce unnecessary costs.
Where fraud is detected, LWCC pursues criminal prosecution, ensuring accountability. This proactive approach has saved policyholders millions of dollars, making it a vital asset for businesses looking to manage costs and maintain fair premiums.
Where fraud is detected, LWCC pursues criminal prosecution, ensuring accountability. This proactive approach has saved policyholders millions of dollars, making it a vital asset for businesses looking to manage costs and maintain fair premiums.
Medical Services
LWCC’s Medical Services team consists of registered nurses and specialists who oversee the care of job-related injuries and illnesses. They manage essential programs like utilization review, pharmacy coordination, and durable medical equipment, ensuring streamlined and effective treatment plans.
By facilitating well-coordinated care through our occupational medicine network, OMNET®, they ensure that injured workers receive the appropriate care they need for a safe and timely recovery.
By facilitating well-coordinated care through our occupational medicine network, OMNET®, they ensure that injured workers receive the appropriate care they need for a safe and timely recovery.
Catastrophic Claims Management
LWCC offers policyholders unmatched support for catastrophic claims. With specialized services on-call 24/7, our team is ready to respond promptly to the needs of injured employees and their families. From worksite counseling to face-to-face meetings with the medical team, LWCC’s catastrophic claims specialists blend compassion and clinical expertise, ensuring personalized and effective support at every stage of the recovery journey.
84%
Claims closed within one year
LWCC's 84% one-year claims closure rate highlights the efficiency of our claims management process, helping injured workers return to work faster while reducing costs for policyholders.
12%
Average claims costs recovered
LWCC recovers claims costs when workers’ comp isn’t fully liable, reclaiming an average of 12% of all claims payments, which is passed on to policyholders through reduced rates and EMODs.
3 hrs.
Claim contact guarantee
LWCC ensures contact with the policyholder and/or injured worker within three hours of receiving a claim, accelerating the process by providing immediate support and maintaining clear, consistent communication throughout its lifecycle.
Operate more confidently and reinvest in your business with the financial benefits LWCC policyholders enjoy.
Featured Benefits
Dividends return a portion of premium to policyholders
A dividend is a direct cash return to policyholders with no strings attached–real funds you can reinvest in your business and employees. Although dividends aren’t guaranteed, policyholders share in the company’s financial success when it performs well, a unique advantage of mutual company membership.
All policyholders are eligible for dividends starting in year one and are fully vested after five years. Dividend eligibility is not impacted by claims.
Learn more
Stable premiums at competitive prices
LWCC offers guaranteed-cost workers’ compensation policies. Our in-house underwriters collaborate annually with independent agents to secure the right coverage at a competitive price for policyholders.
Unlike loss-sensitive policies that may increase costs based on claims activity, a guaranteed-cost policy provides stability with fixed premiums, shielding policyholders from unexpected expenses.
Unlike loss-sensitive policies that may increase costs based on claims activity, a guaranteed-cost policy provides stability with fixed premiums, shielding policyholders from unexpected expenses.
Financial benefits with LWCC are consistent and significant
160%
Underwriting profits returned through dividends
Since 2003, LWCC has not only returned all underwriting profits to policyholders, but also supplemented these dividends with additional funds from investment income.
67.7%
Reduction in premium rates
Since our inception, LWCC has lowered the premium rates charged to policyholders by 67.7%
22
Consecutive years of dividend payouts
LWCC has issued annual dividends to policyholders every year since 2003, returning a total of $1.5 billion.
Policyholders reinvest dividends back into their businesses
You can depend on consistently reliable coverage from a strong, stable carrier serving Louisiana since 1992.
Featured Benefits
Ratings that point to long-term stability
LWCC has maintained an “A” (Excellent) rating from AM Best for 26 consecutive years, reflecting its financial strength, stability, and consistent performance as an insurance company. This long-standing rating assures policyholders of secure coverage, the potential for dividends, and a long-term partnership with a resilient provider able to pay claims, even in challenging economic conditions.
AM Best, a leading national rating agency in the insurance industry, evaluates insurers on their ability to meet ongoing insurance obligations and withstand financial stress.
Industry-leading indicators for consistent performance
Being recognized 20 times in Ward’s 50 places LWCC among the top-performing, fiscally stable, and best-operated insurance companies in the U.S. This prestigious recognition reflects long-term operational excellence, consistent profitability over five-year periods, and sound financial management. For policyholders, it signals better value, higher-quality service, and the assurance of long-term stability from a well-managed company committed to sustained growth.
Insurance from a provider exclusively dedicated to meeting the workers’ comp needs of Louisiana businesses
LWCC’s dedication to Louisiana businesses began in 1992, when we were founded to help stabilize the state’s struggling workers’ comp market. Today and into the future, we continue to provide the same stability to 18,500+ Louisiana-based businesses and their 165,000+ workers. Our policyholders can be confident they are supported by a purpose-driven insurer that is loyal to Louisiana.
Our storied commitment to Louisiana businesses
A dedicated, Louisiana-based team of experts focused on supporting your business’s success
Led by an experienced board of directors and executive team, our employees’ unmatched expertise constitutes the most concentrated institutional knowledge of Louisiana workers’ compensation in the state.
As dedicated industry professionals and proud Louisianans, we are committed to serving your business and workforce with integrity, excellence, and a focus on driving long-term success.
Advanced cybersecurity measures to safeguard your business’ information
In today’s digital landscape, protecting sensitive business and employee data from cyber threats is more critical than ever. With LWCC’s advanced cybersecurity practices and dedicated resources, policyholders can focus on their operations knowing their financial information, claims data, and policy details are securely safeguarded.
Smooth, simple, and stress-free – ease of doing business with LWCC is our goal for every policyholder.
Featured Benefits
Sarah LeCocq
Underwriting Account Executive
Our underwriters, like Sarah, work diligently to provide the right coverage for every business.
Louisiana-based underwriters tailor your policy to ensure the right coverage at fair rates.
LWCC’s in-house underwriters offer tailored policies designed to meet each business’s unique needs, providing faster decision-making, consistent expertise, and local market insights. This flexibility strengthens relationships between underwriters, agents, and policyholders, ensuring adaptable solutions and a seamless coverage experience.
Fast, secure, and hassle-free payments
LWCC’s payment process offers policyholders secure, streamlined account management with flexible options, including AutoPay, saved payment methods, real-time account access, and multiple ways to pay for ultimate convenience.
Independent insurance agents prioritize and protect your interests
LWCC maintains strong and efficient partnerships with a broad network of independent agents who broker policies on policyholders’ behalf. These agents act as your dedicated advocates, ensuring your best interests are prioritized, your coverage needs are expertly addressed, and your policy is seamlessly serviced.
We work with independent insurance agents to transact and service your policy:
All Policyholders Services
Online Account Management
LWCC’s secure, user-friendly portal allows policyholders to conveniently manage their workers’ comp insurance online 24/7. With full access to current policy and claims information, the platform offers digital payment options, payroll reporting, claims management, and safety resources. It simplifies tasks like document retrieval and policy management, and offers tools to stay on top of claims, giving you greater control and flexibility over your insurance needs.
Premium Audit
LWCC’s network of skilled premium auditors combines deep knowledge of Louisiana workers’ comp rules with a consultative approach to ensure accurate reporting and classification of exposures. By delivering personalized, precise, and accessible audit services, they help businesses secure the right coverage at the right price while adding value to reporting practices.
The LWCC Difference
As a purpose-driven business, LWCC goes beyond providing workers’ comp coverage. Every decision, at every level, is driven by our steadfast commitment to the prosperity of our home state and can be summarized in two words: Louisiana Loyal.
Learn more about Louisiana LoyalWe’re uniquely committed to helping Louisiana thrive.
Louisiana's business is our business. Our workers care for Louisiana workers. LWCC is loyal to the future of our home state because it's more than just our job to make sure Louisiana thrives. It's our purpose.
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