If you own or are planning to own a small business, you may have asked yourself: “Is workers’ comp required? Do I really need workers’ comp coverage?” If you have employees, yes, you are likely required by state law to have workers’ comp insurance.

 

Some small business owners mistakenly believe they don’t need to carry workers’ compensation insurance, especially if they only have a few employees in low-risk jobs. More often than not, however, that’s just not the case. If you don’t have the required workers’ comp coverage for your employees, you can face fines, penalties, and even imprisonment in your state.

 

Workers’ comp requirements by state

To find 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 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

Thanks for reading! Please note that this content is intended for educational purposes only. As laws change regularly, you should refer to your state legislation and/or an advisor for specific legal counsel. If you’re a small business owner, learn more about workers’ compensation or check your current rate in 3 minutes.

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