Business Insurance Requirements by State

Insurance requirements vary dramatically by state. Select your state to see workers' comp mandates, minimum coverage requirements, and state-specific guides.

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Select Your State

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasNo WC MandateUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming
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Workers' Compensation Requirements at a Glance

49states require workers' compensation insurance. Texas is the only state where it's fully optional for private employers.

StateWorkers' Comp Required?Min. EmployeesDetails
Alabama (AL)Yes5+ employeesView Guide
Alaska (AK)Yes1+ employeesView Guide
Arizona (AZ)Yes1+ employeesView Guide
Arkansas (AR)Yes3+ employeesView Guide
California (CA)Yes1+ employeesView Guide
Colorado (CO)Yes1+ employeesView Guide
Connecticut (CT)Yes1+ employeesView Guide
Delaware (DE)Yes1+ employeesView Guide
Florida (FL)Yes4+ employeesView Guide
Georgia (GA)Yes3+ employeesView Guide
Hawaii (HI)Yes1+ employeesView Guide
Idaho (ID)Yes1+ employeesView Guide
Illinois (IL)Yes1+ employeesView Guide
Indiana (IN)Yes1+ employeesView Guide
Iowa (IA)Yes1+ employeesView Guide
Kansas (KS)Yes1+ employeesView Guide
Kentucky (KY)Yes1+ employeesView Guide
Louisiana (LA)Yes1+ employeesView Guide
Maine (ME)Yes1+ employeesView Guide
Maryland (MD)Yes1+ employeesView Guide
Massachusetts (MA)Yes1+ employeesView Guide
Michigan (MI)Yes1+ employeesView Guide
Minnesota (MN)Yes1+ employeesView Guide
Mississippi (MS)Yes5+ employeesView Guide
Missouri (MO)Yes5+ employeesView Guide
Montana (MT)Yes1+ employeesView Guide
Nebraska (NE)Yes1+ employeesView Guide
Nevada (NV)Yes1+ employeesView Guide
New Hampshire (NH)Yes1+ employeesView Guide
New Jersey (NJ)Yes1+ employeesView Guide
New Mexico (NM)Yes3+ employeesView Guide
New York (NY)Yes1+ employeesView Guide
North Carolina (NC)Yes3+ employeesView Guide
North Dakota (ND)Yes1+ employeesView Guide
Ohio (OH)Yes1+ employeesView Guide
Oklahoma (OK)Yes1+ employeesView Guide
Oregon (OR)Yes1+ employeesView Guide
Pennsylvania (PA)Yes1+ employeesView Guide
Rhode Island (RI)Yes1+ employeesView Guide
South Carolina (SC)Yes4+ employeesView Guide
South Dakota (SD)Yes1+ employeesView Guide
Tennessee (TN)Yes5+ employeesView Guide
Texas (TX)NoN/AView Guide
Utah (UT)Yes1+ employeesView Guide
Vermont (VT)Yes1+ employeesView Guide
Virginia (VA)Yes2+ employeesView Guide
Washington (WA)Yes1+ employeesView Guide
West Virginia (WV)Yes1+ employeesView Guide
Wisconsin (WI)Yes3+ employeesView Guide
Wyoming (WY)Yes1+ employeesView Guide
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