Business Insurance Requirements by State

Alabama Business Insurance RequirementsAlabama requires most employers to carry workers' compensation once you have 5 or more employees. General liability isn't required...Read guide Alaska Business Insurance RequirementsAlaska requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required...Read guide Arizona Business Insurance RequirementsArizona requires workers' compensation for employers with any employees. General liability isn't required by Arizona law for most...Read guide Arkansas Business Insurance RequirementsArkansas requires most employers to carry workers' compensation once you have 3 or more employees. General liability isn't require...Read guide California Business Insurance RequirementsCalifornia requires workers' compensation for every employer with even one employee, and roofing and tree-service contractors need...Read guide Colorado Business Insurance RequirementsColorado requires workers' compensation for employers with 1 or more employees. General liability isn't required by Colorado law f...Read guide Connecticut Business Insurance RequirementsConnecticut requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't requ...Read guide Delaware Business Insurance RequirementsDelaware requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't require...Read guide D.C. Business Insurance RequirementsD.C. requires employers to carry workers' compensation for their employees. General liability isn't required by local law for most...Read guide Florida Business Insurance RequirementsIn Florida, most non-construction businesses must carry workers' compensation once they have 4 or more employees, and construction...Read guide Georgia Business Insurance RequirementsGeorgia requires most businesses to carry workers' compensation once they have 3 or more employees, counting part-time workers. Ge...Read guide Hawaii Business Insurance RequirementsHawaii requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required...Read guide Idaho Business Insurance RequirementsIdaho requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required b...Read guide Illinois Business Insurance RequirementsIllinois requires workers' compensation for employers with 1 or more employees, including part-time workers. General liability isn...Read guide Indiana Business Insurance RequirementsIndiana requires workers' compensation for employers with 1 or more employees. General liability isn't required by Indiana law for...Read guide Iowa Business Insurance RequirementsIowa requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required by...Read guide Kansas Business Insurance RequirementsKansas requires most employers to carry workers' compensation once your annual payroll is over $20,000. General liability isn't re...Read guide Kentucky Business Insurance RequirementsKentucky requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't require...Read guide Louisiana Business Insurance RequirementsLouisiana requires most employers to carry workers' compensation once you have any employees. General liability isn't required by...Read guide Maine Business Insurance RequirementsMaine requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required b...Read guide Maryland Business Insurance RequirementsMaryland requires workers' compensation for employers with 1 or more employees. General liability isn't required by Maryland law f...Read guide Massachusetts Business Insurance RequirementsMassachusetts requires workers' compensation for employers with any employees. General liability isn't required by Massachusetts l...Read guide Michigan Business Insurance RequirementsMichigan requires workers' compensation for employers with 3 or more employees, or with at least 1 employee working 35 or more hou...Read guide Minnesota Business Insurance RequirementsMinnesota requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't requir...Read guide Mississippi Business Insurance RequirementsMississippi requires most employers to carry workers' compensation once you have 5 or more employees. General liability isn't requ...Read guide Missouri Business Insurance RequirementsIn Missouri, most businesses must carry workers' compensation once they have 5 or more employees, while construction businesses ne...Read guide Montana Business Insurance RequirementsMontana requires most employers to carry workers' compensation once you have any employees. General liability isn't required by st...Read guide Nebraska Business Insurance RequirementsNebraska requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't require...Read guide Nevada Business Insurance RequirementsNevada requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required...Read guide New Hampshire Business Insurance RequirementsNew Hampshire requires most employers to carry workers' compensation once you have any employees. General liability isn't required...Read guide New Jersey Business Insurance RequirementsNew Jersey requires workers' compensation for employers with 1 or more employees, and employers also take part in the state's temp...Read guide New Mexico Business Insurance RequirementsNew Mexico requires most employers to carry workers' compensation once you have 3 or more employees (1 or more in construction). G...Read guide New York Business Insurance RequirementsNew York requires almost every employer to carry workers' compensation, plus disability benefits (DBL) and paid family leave (PFL)...Read guide North Carolina Business Insurance RequirementsNorth Carolina requires most businesses to carry workers' compensation once they have 3 or more employees. General liability isn't...Read guide North Dakota Business Insurance RequirementsNorth Dakota requires most employers to carry workers' compensation from the state fund once you have any employees. General liabi...Read guide Ohio Business Insurance RequirementsOhio requires workers' compensation for employers with any employees, and coverage must be bought from the state fund (Ohio Bureau...Read guide Oklahoma Business Insurance RequirementsOklahoma requires most employers to carry workers' compensation once you have any employees. General liability isn't required by s...Read guide Oregon Business Insurance RequirementsOregon requires most employers to carry workers' compensation once you have any employees. General liability isn't required by sta...Read guide Pennsylvania Business Insurance RequirementsPennsylvania requires workers' compensation for employers with any employees, including part-time workers. General liability isn't...Read guide Rhode Island Business Insurance RequirementsRhode Island requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't req...Read guide South Carolina Business Insurance RequirementsSouth Carolina requires most employers to carry workers' compensation once you have 4 or more employees. General liability isn't r...Read guide South Dakota Business Insurance RequirementsSouth Dakota's workers' compensation rules are listed differently by different sources, so confirm with the Department of Labor &...Read guide Tennessee Business Insurance RequirementsTennessee requires workers' compensation for employers with 5 or more employees, and for construction employers with 1 or more emp...Read guide Texas Business Insurance RequirementsTexas is the only state where most private employers can choose not to carry workers' compensation. Employers who opt out (non-sub...Read guide Utah Business Insurance RequirementsUtah requires most employers to carry workers' compensation once you have any employees. General liability isn't required by state...Read guide Vermont Business Insurance RequirementsVermont requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't required...Read guide Virginia Business Insurance RequirementsVirginia requires workers' compensation for employers with 3 or more employees. General liability isn't required by Virginia law f...Read guide Washington Business Insurance RequirementsWashington requires workers' compensation for employers with any employees, and coverage must be bought from the state fund run by...Read guide West Virginia Business Insurance RequirementsWest Virginia requires most employers to carry workers' compensation once you have 1 or more employees. General liability isn't re...Read guide Wisconsin Business Insurance RequirementsWisconsin requires most employers to carry workers' compensation once you have 3 or more employees. General liability isn't requir...Read guide Wyoming Business Insurance RequirementsWyoming requires most employers to carry workers' compensation from the state fund once you have any employees. General liability...Read guide