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There are no federal regulations for workers compensation. Instead, state workers compensation law regulates individual states. When you look at each state individually, most do require some form of workers compensation.

Alaska

In Alaska, if you’re an employer with more than one employee, you have to obtain workers compensation.

Alabama

If an employer has five or more employees, then the employer must carry workers compensation.

Arizona

Arizona requires all of its employers, private and public, to carry workers compensation insurance.

Arkansas

In Arkansas, the law states that any employer with three or more employees has to have workers compensation insurance.

California

Owners insurance in California normally covers workers compensation for all professions.

Colorado

There are limited exemptions, but in Colorado, public and private employees have to provide workers compensation coverage.

Connecticut

State workers compensation law requires all businesses with one or more employees to have workers compensation coverage.

Delaware

If an employer has more than one employee, then that employer has to provide workers compensation insurance.

District of Columbia

Any business with more than one employee has to cover its employees.

Florida

In Florida, most industries that have more than four employees have to carry workers compensation coverage.

Hawaii

Most employers in Hawaii are required to carry workers compensation insurance for all of their employees.

Idaho

Most employers have to cover their employees with workers compensation.

Illinois

Illinois is yet another state that requires all of its employers to carry workers compensation coverage for every one of its employees.

Indiana

Private and public businesses have to cover its employees.

Iowa

While some employers may apply to be self-insured, most must purchase workers compensation insurance.

Kansas

While there are some exceptions, employers in Kansas must, in general, carry a type of workers compensation insurance.

Kentucky

In Kentucky, according to state workers compensation law, a business is obligated to provide workers compensation for all employees.

Louisiana

Employers are obligated to provide insurance to their employees.

Maine

All businesses with at least one employee have to provide insurance.

Maryland

Any business with at least one employee has to provide insurance.

Massachusetts

All employers, with no exceptions, have to offer workers compensation to their employees.

Michigan

Michigan is not exempt from workers compensation insurance under any circumstance.

Minnesota

In Minnesota, workers compensation is mandatory.

Mississippi

Employers with fewer than five employees do not have to carry workers compensation coverage.

Missouri

For employers with five or more employees, coverage is mandatory.

Montana

In Montana, for an employer with five or more employees, state workers compensation law requires coverage.

Nebraska

All businesses are legally required to have workers compensation coverage.

Nevada

Nevada does have self-insurance options. However, for an employer with at least one employee, coverage is mandatory.

New Hampshire

Any business with one or more employees must provide workers compensation.

New Jersey

New Jersey requires all employers who aren’t covered by federal programs to have workers compensation coverage.

New Mexico

If an employer has three or more employees, he or she must have workers compensation coverage.

New York

All employers must cover their employees under workers compensation insurance coverage.

North Carolina

Any employer with more than three employees has to have insurance coverage.

North Dakota

All employers in North Dakota must have workers compensation coverage.

Ohio

If an employer has more than one employee, the employer has to have coverage.

Oklahoma

According to state workers compensation law, it is mandatory for all employers to carry occupational injury coverage.

Oregon

By law, it is necessary for all employers to cover their employees with workers compensation.

Pennsylvania

It is mandatory for Pennsylvania employers to cover their employees.

Rhode Island

In most cases, Rhode Island law states that all employers must carry coverage.

South Carolina

If there are four or more employees, then an employer must have workers compensation insurance.

South Dakota

In general, most employers have to cover their employees with workers compensation coverage.

Tennessee

Per state workers compensation law, an employer with five or more employees has to have insurance. In some cases, an employer may use a waiver.

Texas

According to state workers compensation law, compensation insurance is not mandatory in Texas.

Utah

Unless the employer is an agricultural employer that makes less than $50,000, all employers must carry coverage.

Vermont

All employers must carry insurance coverage for their employees.

Virginia

Any employer with three or more full-time or part-time workers has to purchase workers compensation insurance.

Washington

It is mandatory for all employers to carry workers compensation coverage.

West Virginia

Unless the employer is an agricultural employer with fewer than five workers, all employers need workers compensation coverage.

Wisconsin

If your business has fewer than three employees, then you are exempt from coverage. Other than that, no industry is exempt.

Wyoming

In Wyoming, all employers have to have coverage. Some may choose to be self-insured, but not all employers can do this.

Keep in mind that in some states, exceptions and waivers are available. The workers compensation laws in all 50 states vary significantly. It is important to talk to experts who can help pinpoint which employers may be exempt from workers compensation insurance