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.
Select Your State
ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasNo WC MandateUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming
Workers' Compensation Requirements at a Glance
49states require workers' compensation insurance. Texas is the only state where it's fully optional for private employers.