Pie Insurance offers workers’ compensation insurance in 38 states and the District of Columbia (and counting!)
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Pie Insurance Services | 1615 L Street NW, Suite 620
Washington, DC 20036 | CA License#: 0M72907
Policies are sold and administered by Pie Insurance Services, Inc. (“Pie Insurance”), a licensed insurance producer (licenses available here). Business Owners, General Liability, Professional Liability and Workers’ Compensation policies are underwritten by third-party insurers that are not affiliated with Pie Insurance. Pie Insurance attempts to quote each applicant contacting us for a quote with at least one of these insurers. Information provided by an applicant or insured to a Business Owners, General Liability, Professional Liability or Workers’ Compensation insurer is subject to its terms of use and privacy policy, and may be shared with us. Prices, coverages, privacy policies and compensation rates may vary among the insurers. Not available in all states and situations. Coverage subject to policy terms and conditions.
There are 408,374 small businesses in Alabama employing more than 809,000 people (SBA). These small businesses are prominent in industries like construction, accommodation and food services, waste management, health care, and more.
Alaska is home to over 16,000 small businesses that make up about 99% of the state’s total businesses. If you have employees in Alaska, your small business is required to carry workers’ comp insurance—unless you are considered exempt by the Alaska Workers’ Compensation Board.
From Phoenix to Tucson, Arizona is home to more than 530,000 small businesses, employing 44% of the state’s private workforce. Under Arizona law, it is mandatory for employers to have workers’ comp coverage.
Small businesses in Arkansas employ more than 479,000 people, accounting for 47% of the state’s private workforce. With few exceptions, if you have three or more employees working in Arkansas, your small business is required to carry workers’ comp insurance.
From boutique hotels in Palm Springs to tech startups in Silicon Valley, California is home to some of the most unique small businesses around, employing more than 6.8 million people. California businesses with one or more employees must have workers’ comp insurance.
Colorado is well known for its strong tourism and outdoor recreation industries. Small businesses in Colorado are also active in the manufacturing, construction, aerospace, health care, financial services, restaurant, and retail industries. The state requires most of these businesses to carry workers’ comp insurance.
Delaware’s small businesses employ more than 180,179 people, accounting for 45% of the state’s private workforce. If you have employees working in Delaware, even part-time, your small business is required to carry workers’ comp insurance.
In the Sunshine State, employers in non-construction industries who employ four or more workers must carry workers’ comp insurance. Employers in the construction industry, however, must carry workers’ compensation insurance if they have one or more workers.
From gourmet butter companies to tech startups, Georgia is home to more than 1 million small businesses. Regulated by the State Board of Workers’ Compensation, Georgia workers’ comp insurance helps protect small businesses when an employee gets injured at work.
Illinois is home to more than 1.2 million small businesses, employing more than 2.5 million individuals. Illinois workers’ compensation is a state-mandated insurance program that provides medical, disability, survivor, burial, and rehabilitation benefits to employees who are injured or killed due to a work-related injury.
From Indianapolis to Evansville, Indiana is home to more than 500,000 small businesses that employ more than 1.2 million people, accounting for 45% of the state’s private workforce. With few exceptions, Indiana employers are required to carry workers’ comp insurance.
Iowa’s small businesses employ more than 646,000 people, accounting for 48% of the state’s private workforce. If you have employees working in Iowa, your small business is required to carry workers’ comp insurance.
From Wichita to Overland Park, Kansas is home to more than 250,000 small businesses, employing 51% of the state’s private workforce. Kansas law requires all employers to carry workers’ comp insurance with few exceptions.
From Louisville to Bowling Green, Kentucky is home to restaurants that prove the state’s pit masters have some serious chops, a booming bourbon industry that generates $8.5 billion in total economic output, and more than 347,000 small businesses. The state workers’ comp law has no exceptions for family members, temporary, or part-time employees.
Louisiana is home to a diverse small business population, employing more than 890,000 people. Any employee working in Louisiana must be covered by workers’ comp insurance, which covers medical bills and wage replacement for workplace injuries.
From Baltimore to Cumberland, Maryland is home to a growing craft beer and cocktail scene, a booming broadcasting and telecommunications industry that generates $12.7 billion in GDP, and more than 581,000 small businesses. Maryland workers’ comp insurance helps protect small businesses when an employee gets injured at work.
Small businesses comprise more than 99% of Michigan’s businesses, and nearly half of residents who work in the private sector are employed by small businesses. In Michigan, most small business owners are required to carry workers’ comp insurance.
The Magnolia State is not only home to dozens of famous musicians, TV personalities, and athletes, but it’s also home to more than 254,000 small businesses. In Mississippi, private employers with five or more regular employees must carry workers’ comp insurance.
Missouri’s workers’ comp system helps provide important benefits to 123,000 small businesses. These benefits may include providing medical payments, lost wages, and disability benefits to employees who are injured on the job.
Nebraska is home to nearly 180,000 small businesses that employ 412,587 people, or 49.5% of their workforce. The state requires all employers with one or more employees to carry workers’ comp insurance.
Nevada’s small businesses employ more than 474,000 people, accounting for 42% of the state’s private workforce. If you have employees working in Nevada, your small business is required to carry workers’ comp insurance, which covers work-related injuries and illnesses regardless of fault.
New Hampshire’s small businesses employ more than 291,000 people, accounting for 50% of the state’s private workforce. When it comes to protecting their employees, the state legally requires small businesses to purchase workers’ comp coverage.
New Jersey’s more than 880,000 small businesses employ 1.8 million people—or 49.5% of the workforce. To protect these workers, employers in NJ are required to carry workers’ comp insurance.
New Mexico is home to more than 154,000 small businesses employing 54% of the state’s private workforce. Any NM business with three or more employees is required to carry workers’ comp insurance.
Small businesses make up 98% of New York businesses, and more than half of New Yorkers who work in the private sector are employed by small business owners. In New York, most employers are required to carry workers’ comp insurance.
North Carolina has a growing small business sector, employing nearly 45% of the private workforce. Most small businesses in North Carolina that regularly employ three or more employees are required by law to carry workers’ comp insurance.
Oklahoma is home to more than 347,000 small businesses, employing 52% of the state’s private workforce. In fact, Oklahoma City was recognized as the nation’s best large city to start a new business. If you have full-time or part-time employees working in Oklahoma, your small business is most likely required to carry workers’ comp insurance.
Oregon small businesses make up 99.4 percent of businesses and employ 893,758 people (SBA). These small businesses lead the way in industries like real estate, health care, construction, recreation, and more.
The state of Pennsylvania is an ideal home for small businesses, which make up 99.6% of the state’s businesses. In Pennsylvania, small business owners who have one or more employees must have an active workers’ comp insurance policy.
Small businesses in the Ocean State employ 53% of the workforce, including nearly 200,000 workers in technology and similar fields. If your Rhode Island small business regularly employs three or more people, including regular and part-time employees, you are required to carry workers’ comp coverage.
South Carolina’s small businesses employ more than 743,000 people, accounting for 46% of the state’s private workforce. If you have four or more regular full-time or part-time employees working in South Carolina, your small business is required to carry workers’ comp insurance.
Tennessee leads the nation in small business job growth—construction and manufacturing are two industries in particular that are driving this momentum. The state requires any employer with five or more workers to carry workers’ comp insurance.
From donut shops to small-batch whiskey distilleries, Texas is home to some of the most unique small businesses around, employing more than 4.4 million Texans. Overseen by the state of Texas, workers’ comp insurance provides pay and medical benefits to employees who have a work-related injury or illness.
Utah’s small businesses employ more than 557,000 people, accounting for 46% of the state’s private workforce. The state requires all employers to carry workers’ comp insurance with very few exceptions.
Tourism is a leading business in Vermont. In fact, visitor spending supports an estimated 30,000 jobs in the state—about 8% of all jobs. If you’re a small business owner in Vermont, your business is required to carry workers’ comp insurance to protect your employees.
Stretching from the Chesapeake Bay to the Appalachian Mountains, Virginia is home to 20 Fortune 500 companies and more than 723,000 small businesses. If you have two or more employees working in Virginia, your small business is required to carry workers’ comp insurance.
The nation’s capital may be best known as the home of the U.S. federal government, but DC’s small businesses employ more than 243,000 people, accounting for 47% of the District’s private workforce. DC businesses with one or more employees are required to carry workers’ comp insurance.
West Virginia is home to 113,779 small businesses which employ 269,789 people. In West Virginia, most employers that have at least three employees are required to provide workers’ comp coverage.
Wisconsin is home to more than 106,000 small businesses that employ 50% of the state’s private workforce. If you have employees working in Wisconsin, your small business is likely required by law to carry workers’ comp insurance.
The nation’s capital may be best known as the home of the U.S. federal government, but DC’s small businesses employ more than 243,000 people, accounting for 47% of the District’s private workforce. DC businesses with one or more employees are required to carry workers’ comp insurance.
Small businesses in the Ocean State employ 53% of the workforce, including nearly 200,000 workers in technology and similar fields. If your Rhode Island small business regularly employs three or more people, including regular and part-time employees, you are required to carry workers’ comp coverage.