Every state has laws and penalties related to workers’ compensation insurance. In most states, it’s required as soon as you hire your first employee. Some states, on the other hand, don’t mandate coverage until you have two, three, four or more employees.

For example, in Alabama, you aren’t legally required to have workers’ comp if you have less than five employees. In Texas, business owners are not legally required to buy workers’ comp at all, even though it’s mandatory in every other state. Penalties for not carrying workers’ compensation insurance—when it is required—can range from fines to varying amounts of jail time, or both.

If you want specifics about your state’s workers’ compensation requirements, it’s best to go directly to the source: your state workers’ compensation board. To do that, simply follow your state’s link from the table below:

State Department Workers’ Compensation Entity
Alabama Alabama Department of Labor Workers’ Compensation Division
Alaska Alaska Department of Labor and Workforce Development Workers’ Compensation Division
Arizona Industrial Commission of Arizona Claims Division
Arkansas Arkansas Department of Labor and Licensing Workers’ Compensation Commission
California State of California Department of Industrial Relations Division of Workers Compensation
Colorado Colorado Department of Labor and Employment Division of Workers’ Compensation
Connecticut State of Connecticut Workers Compensation Commission
Delaware State of Delaware Department of Labor Division of Industrial Affairs Office of Workers’ Compensation
District of Columbia D.C. Department of Employment Services Labor Standards Bureau Office of Workers’ Compensation
Florida Florida Department of Financial Services Division of Workers’ Compensation
Georgia State of Georgia Georgia State Board of Workers’ Compensation
Guam Guam Department of Labor Workers’ Compensation Commission
Hawaii Hawaii Department of Labor and Industrial Relations Disability Compensation Division
Idaho State of Idaho Industrial Commission
Illinois State of Illinois Illinois Workers’ Compensation Commission
Indiana State of Indiana Workers’ Compensation Board of Indiana
Iowa Iowa Workforce Development Division of Workers’ Compensation
Kansas Kansas Department of Labor Division of Workers’ Compensation
Kentucky Kentucky Labor Cabinet Department of Workers’ Claims
Louisiana Louisiana Workforce Commission Office of Workers’ Compensation
Maine State of Maine Workers’ Compensation Board
Maryland State of Maryland Workers’ Compensation Commission
Massachusetts State of Massachusetts Department of Industrial Accidents
Michigan Michigan Department of Labor and Economic Opportunity Workers’ Disability Compensation Agency
Minnesota Minnesota Department of Labor and Industry Workers’ Compensation Division
Mississippi State of Mississippi Workers’ Compensation Commission
Missouri Missouri Department of Labor and Industrial Relations Division of Workers’ Compensation
Montana Montana Department of Labor and Industry Employment Relations Division Workers’ Compensation Claims Assistance Bureau
Nebraska State of Nebraska Workers’ Compensation Court
Nevada Nevada Department of Business and Industry Division of Industrial Relations
New Hampshire New Hampshire Department of Labor Workers’ Compensation Division
New Jersey New Jersey Department of Labor and Workforce Development Division of Workers’ Compensation
New Mexico State of New Mexico Workers’ Compensation Administration
New York State of New York Workers’ Compensation Board
North Carolina State of North Carolina Industrial Commission
North Dakota State of North Dakota Workforce Safety and Insurance
Ohio State of Ohio Bureau of Workers’ Compensation
Oklahoma State of Oklahoma Workers’ Compensation Commission
Oregon State of Oregon Workers’ Compensation Division
Pennsylvania Pennsylvania Department of Labor and Industry Bureau of Workers’ Compensation
Puerto Rico Government of Puerto Rico Industrial Commission
Rhode Island Rhode Island Department of Labor and Training Division of Workers’ Compensation
South Carolina State of South Carolina Workers’ Compensation Commission
South Dakota South Dakota Department of Labor and Regulation Division of Labor & Management
Tennessee Tennessee Department of Labor and Workforce Development Division of Workers’ Compensation
Texas Texas Department of Insurance Division of Workers’ Compensation
Utah Utah Labor Commission Division of Industrial Accidents
Vermont Vermont Department of Labor Workers’ Compensation Division
Virginia State of Virginia Workers’ Compensation Commission
Virgin Islands Virgin Island Department of Labor Workers’ Compensation Administration
Washington Washington Department of Labor and Industries Insurance Services Division
West Virginia State of West Virginia Office of the Insurance Commission
Wisconsin Wisconsin Department of Workforce Development Workers’ Compensation Division
Wyoming Wyoming Department of Workforce Services Workers’ Compensation Division

 

If understanding workers’ compensation insurance seems overwhelming, you’re not alone. CoverEase can help make workers’ compensation easy and awesome. We’ve taken the guesswork out of the process and we’re passionate about providing workers’ compensation insurance for all size businesses across the country.

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