State requirements for Workers' Compensation insurance

Requirements to obtain Workers' Compensation vary state by state. This table outlines some of these rules. This is for informational purposes only and should not be used to make Workers' Compensation decisions. Click on the state name to visit their website and learn more about their regulations.

State Covered Employers Employee Minimum Covered Employees
 Alabama All private and public employers with four or more full- or part-time employees, including officers of a corporation, are covered. Rejection of coverage: Officers of a corporation can elect to be exempt by notifying the Workers' Compensation Division and their employer's insurance carrier.  5 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors are not covered. Members of a limited liability company are excluded, unless treated as a corporation for tax purposes. Sole proprietors or partners in a business can elect coverage.
 Alaska All private and public employers with one or more employees are covered.  1 All employees are covered, including all minors; commercial fishers, harvest help and similar part-time/transient help, are not covered. Coverage is also required for workers performing service outside the state limits if benefits would have been provided if injury had occurred within Alaskan limits.
 Arizona All private and public employers of one or more workers are covered under the law.  1 All full- and part-time employees are covered, as are all minors. The law also covers mining employees under the mining property owner's supervision, and workers injured outside the state if hired or regularly employed within the state. Services performed by independent contractors are not covered, provided there is an agreement in writing between the business and independent contractor. Partners in a business can elect coverage; employees can reject coverage. 
 Arkansas All private and public employers with three or more employees must comply with the law's insurance requirements. Workers' compensation coverage is compulsory for building repair work if contractors employ two or more workers at one time. Coverage also is compulsory for all licensed contractors and for subcontractors. Contractors that fail to maintain coverage can have their license suspended or revoked.  3 All full- or part-time persons performing services for compensation are covered, including minors. Sole proprietors and partners who work in the business can elect not to be covered; officers of a corporation, members of limited liability companies and members of professional associations can also waive coverage. However, if such exclusion from coverage reduces the number of employees of the business to less than three, employers must continue to provide workers' compensation coverage for their employees. Qualified real estate agents and individuals performing services while incarcerated or pursuant to a conviction are exempt from coverage. Employers, however, can elect coverage for exempted employees. Owner-operators that provide a motor vehicle and a driver to a motor carrier are not employees of the motor carrier, although the owner-operators can elect to be covered and to cover their employees by paying premiums under the motor carrier's insurance.
 California All private and public employers with one or more full- or part-time employees are covered.  1 All employees are covered, including minors; independent contractors are not covered. Aliens are covered even if they are employed illegally. Individuals in employment training arranged by the Department of Rehabilitation are employees; however, the department pays any additional workers' compensation premium expenses incurred by the trainer during an on-the-job training period. Working members of partnerships and limited liability companies, and working officers of private corporations who also are sole shareholders, can elect coverage. Employers can elect coverage for volunteers working at their organizations. 
 Colorado All private and public employers with one or more full- or part-time employees are covered, including independent contractors with one or more employees.  1 All full- and part-time employees are covered, as are all minors; independent contractors and railway employees are not covered. Sole proprietors and general partners in a business can elect to be covered, even if the business has no other employees. Corporate officers, officers of a farm corporation, and members of limited liability companies who own at least 10 percent of the membership interest of their companies also can elect coverage.
 Connecticut All public and private employers must comply with Connecticut's insurance requirements.  1 All full- and part-time employees, including those individuals who perform work under a contract of service or apprenticeship, are covered, as are all minors. Services performed by independent contractors are not covered. Members of an employer's family living in the employer's house, unless the family member's salary is included in the payroll on which premium is based, are exempt from coverage. Sole proprietors and business partners can elect coverage by notifying the commission in writing. A withdrawal of elective coverage can also be fulfilled by notifying the commission in writing. A partner's notice of withdrawal must include the signature of each business partner. Employers can reject compensation coverage for corporate officers. 
 Delaware All private and public employers with one or more employees are required to carry workers' compensation insurance. Independent contractors are deemed employers and required to maintain workers' compensation coverage for their employees and the employees of their subcontractors.   1  All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors are not covered under the law. Sole proprietors and partners can elect coverage. Employers can reject workers' compensation coverage for up to four corporate officers. Up to four executive officers who own stock in a corporation or four individuals who are members of a limited liability company can be exempted from coverage. 
 District of Columbia All private and public employers with one or more employees are covered.   1 All full- and part-time employees are covered, as are all minors. Independent contractors and railway employees are not covered.
 Florida All non-construction industry private employers with four or more employees are covered. Employers with fewer than four employees that elect not to be covered must file annual affidavits with the division.  4 All full- and part-time employees, including aliens, are covered, as are all minors, whether or not they are employed illegally. Independent contractors employed in the construction industry are considered employees; nonconstruction independent contractors and owner-operators of motor vehicles, under some circumstances, are excluded from coverage. 
 Georgia All private and public employers with three or more full- or part-time employees and nonprofit organizations are covered; railroads, certain maritime industries, and agricultural employers are not covered. Employers that have fewer than three workers or that are active partners or sole proprietors can elect workers' compensation coverage.  3  All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors and railway employees are not covered. Employers can reject workers' compensation coverage for up to five corporate officers or members of a limited liability company. Corporate officers must be identified in an exemption certificate by name and by position held; officers of limited liability companies must be identified by name. An individual granted a franchise is not an employee of the person who granted the franchise for the purpose of Georgia's workers' compensation law. 
 Hawaii All private and public employers with one or more employees, whether working full-time or part-time, permanent or temporary, are covered.  1 All full- and part-time employees are covered, as are all minors. Independent contractors are not covered. Unpaid corporate officers who own at least 25 percent of the shares in corporations with no employees, and individuals working for a corporation of which the individual owns at least 50 percent of the shares are not covered. Employers can elect to provide coverage for their employees who do not fall within the law's provisions. Employers that elect to provide coverage are bound by the election until Jan. 1 of the next succeeding year and for terms of one year thereafter. Coverage does not include service performed by sole proprietors, partners or partnerships, or members of limited liability companies or partners in limited liability partnerships who have a distributional interest in the company or partnership of at least 50 percent. 
 Idaho All private and public employers with one or more full- or part-time employees are covered. Employers engaged in exempt occupations can elect coverage by contacting the commission.  1 All full-time, part-time, seasonal, or occasional employees are required to maintain a workers' compensation policy unless specifically exempt from the law. Minors are covered under the law. Services performed by independent contractors are not covered.
 Illinois The law covers any private or public employer that is engaged in the business of selling goods or services to the public.  1 All employees are covered. Illegally employed minors can decline workers' compensation coverage and opt to file a civil suit against their employer. Sole proprietors or partners in a business can elect coverage.
 Indiana All private and public employers with one or more full- or part-time employees are covered.  1 All full- and part-time employees are covered; all minors are covered unless they are in a vocational education program. Executive officers and directors of corporations also are covered. Corporate officers are considered employees, but can choose to not be covered. If they choose to not be covered, they must provide a written notice to their company's workers' compensation insurer and the Workers' Compensation Board to confirm their choice. Sole proprietors or business partners can elect coverage by notifying their insurance carrier and their board of election. Owner-operators that provide a motor vehicle and a driver to a motor carrier are not employees of the motor carrier, although the owner-operators can elect to be covered and to cover their employees by paying premiums under the motor carrier's insurance. 
 Iowa All private and public employers must comply with the insurance requirements of the law.  1 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors and workers employed in interstate commerce are not covered. The law applies to injuries sustained outside of the state where the principal place of employment is within the state, or the contract of employment was made in-state. Employees performing the same or substantially the same service for multiple employers are covered; each employer can be liable for a proportionate share of benefits if it cannot be determined clearly whom the employee was working for at the time of injury.
 Kansas All private and public employers are covered, incorporated or not, including legal representatives of deceased employers and trustees of a person, corporation, or partnership.  1  All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors and workers employed in interstate commerce are not covered. The law applies to injuries sustained outside of the state where the principal place of employment is within the state, or the contract of employment was made in-state. Employees performing the same or substantially the same service for multiple employers are covered; each employer can be liable for a proportionate share of benefits if it cannot be determined clearly whom the employee was working for at the time of injury.
 Kentucky  All private and public employers must comply with the insurance requirements of the law.  1 All full- and part-time employees are covered, as are all minors. Employees can reject workers' compensation coverage by filing a form with the Department of Workers' Claims. Business owners, business partners, and members of limited liability companies can elect coverage.
 Louisiana All private and public employers must comply with the law, including executive officers of private corporations.  1 All employees are covered unless specifically excluded under the law. Coverage is compulsory for minors ages 12 to 18 engaged in street trade. Independent contractors and railway employees are not covered. Sole proprietors, officers of corporations owning 10 percent of the stock, partners in a business, and members of limited liability companies that own at least a 10 percent membership interest, can elect not to be covered. 
 Maine  All private employers must comply with the law unless specifically exempted. Corporate executive officers are covered, but not those of charitable, religious, educational, or other nonprofit corporations.  1  All full- and part-time employees working for private employers are covered, as are all minors, whether or not they are employed illegally; independent contractors and certain seasonal or casual employees are not covered. A bona fide owner of at least 20 percent of the outstanding voting stock of a corporation, or parent, spouse, or child of a sole proprietor can elect to waive coverage.
 Maryland All private and public employers with one or more employees are covered.  1 All full- and part-time employees of subject employers are covered, as are all minors, whether or not they are employed illegally. Also covered are students from certain private schools who are working in an unpaid work-based learning experience. An unpaid work-based learning experience includes structured employer-supervised learning that occurs in the workplace, links with classroom instruction, and is coordinated by a private noncollegiate institution. Independent contractors and vehicle owner-operators under contract to motor carriers are not covered. Agricultural employees are covered if the employer has at least three full-time employees or has an annual payroll of at least $15,000 for full-time employees. Officers of corporations, other than close corporations, can elect to be exempt from coverage. No more than five officers of farms, professional corporations, and members of limited liability companies can elect to be excluded from coverage. Officers of a close corporation may elect to be exempt, provided they are in compliance with the laws of the jurisdiction where the corporation is incorporated. Sole proprietors and business partners can elect coverage.
 Massachusetts All private and public employers must comply with the insurance requirements of the law, including small employers whose only employees are family members (spouse, child, sibling, etc.)  1 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Sole proprietors of unincorporated businesses, members of a limited liability company, and partners are not covered under the law, but they can elect coverage. Corporate officers who own at least 25 percent of the corporation can request an exemption from workers' compensation coverage by filing Form 153, Affidavit of Exemption for Certain Corporate Officers.
 Michigan All private and public employers with three or more employees, or with fewer than three employees where one works for 35 hours per week for 13 consecutive weeks, are covered. 3 or more employees at any one time, or employs one or more workers for 35 or more hours per week for 13 or more weeks during preceding 52 weeks All full- and part-time employees are covered, as are all minors. The law also covers employees who are injured while working outside of the state for a Michigan employer, provided the injured employee was a Michigan resident at the time of injury or the contract of hire was made in Michigan. Employers can reject workers' compensation coverage for corporate officers who are 10 percent shareholders of corporations that have up to 10 shareholders. Family members can be excluded from coverage by endorsement. 
 Minnesota All private and public employers are covered.  1  All full- and part-time employees are covered, unless specifically excluded under the law. All minors are covered. Employees whose employer regularly furnishes transportation to and from the place of employment are covered while being transported. Railway employees and independent contractors are not covered; independent contractors, however, must provide coverage for their own employees. Workers in the construction and improvement industry who have not obtained an independent contractor exemption certificate from the Commissioner of Labor and Industry are considered employees. Owners, business partners and limited liability companies can elect coverage. Also, elective coverage is available to officers of closely-held corporations having less than 22,880 hours of payroll in the preceding year, provided they own at least 25 percent of the stock.
 Mississippi All private and public employers with five or more employees must comply with the insurance requirements of the law.  5  All employees working full- or part-time under a contract of hire, written or implied, are covered, as are all minors. Employees of nonprofit charitable, fraternal, cultural, or religious corporations and associations are exempt from coverage. Subcontractors are responsible for securing coverage for their employees; however, employers can be held liable for compensating disabilities or deaths of their employees if the subcontractor fails to secure payment of such compensation.
 Missouri All private and public employers with five or more full- or part-time employees are covered.  5  All full- and part-time employees are covered, as are all minors. A person who is employed by the same employer for more than 5.5 consecutive work days is considered an employee. Business partners or sole proprietors can elect to be covered, along with their employees, regardless of the number of employees. Individuals performing community service as a condition of probation are not employees for workers' compensation purposes.
 Montana All private and public employers are covered.  1  All full- and part-time employees are covered; aliens and minors, whether or not lawfully employed, also are included. Railway employees are not covered. Independent contractors that regularly and customarily perform services at locations other than their own fixed business locations must elect to be covered by a workers' compensation plan unless they have waived their rights and benefits under the law. This includes sole proprietors, business partners, working members of limited liability partnerships, working members of limited liability companies, or managers of limited liability companies in the construction industry. Company officers or managers who are exempt under the law can apply for an independent contractor exemption certificate.
 Nebraska All private and public employers must comply with the insurance requirements of the law.  1 All full- and part-time employees are covered, as are all minors. Aliens also are covered. Independent contractors and railway employees engaged in interstate or foreign commerce are not covered. Executive officers of corporations are covered; however, coverage can be waived if the corporate officer owns 25 percent of the company's stock. Sole proprietors, business partners, or members of limited liability companies can elect coverage under certain conditions. An individual lessor of a commercial motor vehicle leased to a motor carrier and driven by the individual lessor can elect to be covered by agreeing in writing with the motor carrier to have the rights of an employee for purposes of workers' compensation coverage.
 Nevada All private and public employers with one or more employees must comply with the insurance requirements of the law.  1 All full- and part-time employees are covered, as are all minors. Independent contractors are not covered. Sole proprietors and working business partners can elect coverage. If a mandated employer is uninsured, its employees can elect compensation. Unpaid officers or managers of corporations or companies can elect to reject coverage. When corporations or limited-liability companies are required to be insured, an officer who receives pay for services performed as an officer, manager, or employee of the corporation or company is deemed to receive a minimum pay of $6,000 per year and a maximum pay of $36,000 per year. For individuals who do not receive pay for services performed, the individuals are deemed to receive a minimum pay of $500 per month or $6,000 per year. Employees hired outside of Nevada, whose normal place of employment is outside of the state and who are performing services within the state only temporarily, are not covered, provided the employer has provided coverage under the laws of the other state and certain other conditions are met. 
 New Hampshire All employers that have any employees, except sole proprietors, and corporations that have only three corporate officers and no employees other than the three officers, are covered.  1 All full- and part-time employees, including minors, are covered. In general, any person who performs services for pay is presumed to be an employee. Independent contractors and railway employees are not covered. Corporations can elect to exclude up to three executive officers. Limited liability company members and managers designated by a limited liability company agreement are not considered employees, except that members and managers in excess of three are counted as employees. Sole proprietors and business partners can elect coverage. Following elective coverage, employers will be liable to all of their employees during the period their insurance remains in force.
 New Jersey All private and public employers and nonprofit organizations are covered; railroads and certain maritime industries are not covered.  1 All full- and part-time employees are covered; independent contractors, maritime workers, and railway employees are not covered. Minors are covered under the law unless they are working under a certificate. 
 New Mexico All private and public employers with three or more employees are covered.  3 All full- and part-time employees are covered; independent contractors are not covered. Minors are specifically covered under the occupational disease disablement act, whether employed legally or illegally. Sole proprietors and executive officers owning 10 percent or more of their company stock can elect not to be covered, but are counted as employees for determining coverage.
 New York All private and public employers, including contractors in the construction industry, must comply with the insurance requirements of the law.  1  All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Employees performing farm labor, if the farm's payroll during the prior year was less than $1,200, are exempted from coverage. Employers can elect to exclude their spouses from coverage. Business partners, self-employed individuals, and corporate officers who are the sole shareholders in their businesses can elect coverage. Persons performing service for contractors must be classified as employees unless such workers have a separate business entity or satisfy certain criteria, as outlined under the Construction Industry Fair Play Act. The term contractor means a sole proprietor, partner, firm, corporation, limited liability company, or an association.
 North Carolina  All employers with three or more employees and employers with one or more employees exposed to radiation are covered. Coverage is voluntary for casual employees and employers with fewer than three employees.  3 All employees of covered employers are covered under the law, including all minors. Corporate officers are counted as employees but can reject coverage. Railway workers and employees of individual sawmill or logging operators with fewer than 10 employees are not covered. Sole proprietors, members of limited liability companies, and partners actively engaged in the business can elect workers' compensation coverage. 
 North Dakota All private and public employers are covered.  STATE FUND All full- and part-time employees are covered, as are all minors. Independent contractors are not covered. If North Dakota's Workforce Safety and Insurance bureau determines that an individual described as an independent contractor for workers' compensation purposes is actually an employee, it cannot require that premiums be paid retroactively for that employee, unless the misclassification was willful and intentional. Corporate officers are excluded unless their duties include those performed by employees.
 Ohio All private and public employers with one or more employees are covered under the law.  STATE FUND All full- and part-time employees are covered, as are all minors. Independent contractors are not covered; however, employees in the service of any independent contractor or subcontractor that has failed to pay premiums into the state fund or apply for self-insurance are considered to be the employees of the employer that entered into the contract with such independent contractor. The law also covers nonresident employees performing service temporarily within Ohio, provided the rights of such employees and their dependents are not covered by the other state's workers' compensation law. Employers can elect to cover individuals who are excluded.
 Oklahoma All private and public employers are covered under the law. Employers that have five or fewer total employees, all of whom are related by blood or marriage to them, are exempt from coverage. The exemption also applies to employers that are general or limited partners in a partnership, members of associations or limited liability companies, or originating members of corporations. The spouse of an exempt employer is also exempted from workers' compensation coverage.  1   All full- and part-time employees are covered, as are all minors, unless they are employed illegally. Coverage does not apply to independent contractors, employees performing service for an agricultural/horticultural employer whose annual payroll is less than $100,000, persons providing services in a medical care or social services program, and individuals providing voluntary services and receiving no wages other than meals, drug or alcohol rehabilitative therapy, transportation, lodging, or reimbursement for incidental expenses. Individuals who are party to a franchise are excluded from coverage. Individuals not required to be covered under a workers' compensation policy can sign an affidavit of exempt status establishing that they are not covered employees. Sole owners, partners in a business, stockholders and members of limited liability companies owning 10 percent of their company's stock, can elect coverage. Owner-operators that own or lease a truck-tractor or truck for hire, and “drive-away owner operators” that privately own and operate a tow vehicle can elect to be covered as sole proprietors. 
 Oregon All private and public employers with one or more employees are covered.  1 All full- and part-time employees are covered; independent contractors and railway employees are not covered. Minors also are covered; an employment certificate from a duly constituted authority of the state authorizing employment of a minor in the work in which the minor is engaged will constitute good faith of the employer. Workers from other states are not covered while they are temporarily within Oregon if their employer has furnished workers' compensation coverage under the laws of the home state, the extraterritorial provisions of the Oregon law are recognized in the home state, and employers and workers covered in Oregon are exempted from workers' compensation law in the other state. Sole proprietors, business partners, and members of limited liability companies can elect coverage. Corporate officers who are directors with a substantial ownership interest also can elect coverage.
 Pennsylvania All private and public employers with at least one employee are covered.  1 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Professional athletes are covered, but with limitations; independent contractors and railway employees are not covered.
 Rhode Island All private and public employers must comply with the insurance requirements of the law, regardless of the number of employees they employ or the type of employment.  1 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Sole proprietors, general or limited partners in a partnership, members of a limited liability company, and the president, one vice president, secretary, and treasurer of a corporation are counted in establishing the number of employees, but are not employees for coverage purposes.
 South Carolina All private and public employers with four or more full- or part-time employees are covered; railroads, agricultural employers, and employers that had a total annual payroll during the previous calendar year of less than $3,000, regardless of the number of workers employed during that period, are not covered. This summary, however, is restricted to the coverage of private employers. Exempt employers can elect coverage.  4 All full- and part-time employees are covered, as are all minors, whether or not they are employed illegally. Independent contractors and railway employees are not covered. Employers can reject workers' compensation coverage for up to five corporate officers or members of a limited liability company. Corporate officers must be identified in an exemption certificate by name and by position held; officers of limited liability companies must be identified by name. An individual granted a franchise is not an employee of the person who granted the franchise for the purpose of Georgia's workers' compensation law.
 South Dakota All private and public employers are covered.  1 All full- and part-time employees are covered, as are all minors and executive officers of corporations; independent contractors are not covered. Individuals, partners, or corporate shareholders who own a vehicle licensed and registered as a truck, road tractor, or truck tractor can apply for independent contractor status.
 Tennessee All private and public employers with five or more employees are covered. This summary, however, is restricted to the coverage of private employers. Employers with fewer than five employees can elect coverage.  5  All full- and part-time employees are covered, as are all minors. Independent contractors and employees of interstate common carriers are not covered. Sole proprietors and business partners can elect coverage. Corporate officers can elect to be exempt from the law. Effective Jan. 1, 2014, individuals can elect to be exempt from coverage if they are members of a recognized religious group with teachings that compel them to be opposed to accepting workers' compensation benefits.
 Texas Employers with one or more employees can elect insurance coverage. Employers that elect not to obtain insurance coverage must notify the commission and all employees. Motor carriers must provide either workers' compensation insurance or accident insurance coverage in an amount fixed by the Division of Workers' Compensation. Note: Franchisors are not considered to be employers of franchisees or their employees regarding claims for relief under Texas fair employment practices law. However, this exception does not apply if a Texas court finds that franchisors exercised an unusual type or degree of control over franchisees or their employees for the purpose of trademark and brand protection (Tex. Lab. Code Ann. § 21.0022).   Generally not required, unless in construction or government work Minors are covered under the law; independent contractors and their employees are not covered. However, hiring contractors can enter into an agreement with their independent contractor allowing the hiring contractors to withhold the cost of workers' compensation insurance from the contract price and stipulating that, for workers' compensation purposes only, the hiring contractor is the employer of the independent contractor and its employees. Sole proprietors, partners in a business, or corporate executive officers who elect to provide workers' compensation insurance are entitled to workers' compensation benefits unless specifically excluded under the policy or if a corporate officer has an equity ownership in the covered entity of at least 25 percent. Licensed real estate sales persons and brokers compensated by commission are not covered; however, employers that elect insurance can include such employees. Employees can reject workers' compensation coverage, provided they submit such rejection in writing.
 Utah All private and public employers with one or more full- or part-time employees are covered. This summary, however, is restricted to the coverage of private employers. An employer that subcontracts any work and retains supervision or control over the contractor's work is the employer of the contractor for workers' compensation purposes.  1  All full- and part-time employees are covered, as are all minors, whether or not they are legally employed. Sole proprietors and partners in a business can elect coverage. 
 Vermont  All private and public employers that hire one or more full- or part-time employees are covered. This summary, however, is restricted to the coverage of private employers. Employers and contractors must agree in writing, prior to the beginning of work, which of them will be responsible for carrying workers' compensation. Employers are responsible for workers' compensation insurance if their independent contractor doesn't have coverage or does not meet the definition of a contractor under the law.  1  Coverage is compulsory for all employees, including corporate officers and employees of nonprofit organizations; however, corporate officers can choose to be excluded. Coverage also includes workers whose injuries are received outside of the state, temporary employees subject to the law while working in Vermont, and workers in interstate commerce. Independent contractors are not required to carry workers' compensation insurance, but must provide coverage to any of their employees. Sole proprietors and business partners can elect coverage.
 Virginia All private and public employers with three or more workers in the same business are covered; operators of underground coal mines are covered regardless of the number of employees. This summary, however, is restricted to the coverage of private employers. Employers that are exempt from coverage can elect to be covered, regardless of the number of employees or the type of business. Owners or contractors are liable for their subcontractors' employees if their work is done as part of the employer's trade or business just as if the employees were employed by the contractor.  3  All full- and part-time employees are covered, including apprentices, trainees or retrainees regularly employed while receiving employment-related training. Minors also are covered. Independent contractors can be covered, at their own or the employer's expense, if the contractor, employer and insurer agree. Railways employees who are engaged in interstate or intrastate commerce are not covered. Sole proprietors or all partners of a business can choose to be included for workers' compensation coverage if their insurer is notified of this election. Sole shareholders of companies that have only one shareholder or sole members of limited-liability companies that have only one member also can choose to be covered. 
 Washington All private and public employers are covered, although this summary is restricted to the coverage of private employers.  State Fund All full- and part-time employees performing service for subject employers are covered, as are all minors, whether or not they are employed illegally. Railway employees are not covered. Services performed by independent contractors are not covered, provided the independent contractors are properly licensed by the state. Sole owners, partners, joint ventures, and corporate officers who are shareholders or directors can elect coverage. Apprentices registered with the Washington State Apprenticeship and Training Council are covered. A worker whose employment is localized in the state or who is working under a contract made in the state or is working under contract with an out-of-state employer not covered by its state's workers' compensation law is covered by the Washington law. Temporary and incidental work performed by Washington workers on jobs or jobsites outside of the state are covered under Washington's law. Temporary and incidental work includes work performed for up to 30 consecutive or nonconsecutive days, including full and partial work days, in a year. Temporary and incidental days are considered on a per-state basis.
 West Virginia All private and public employers with three or more full- or part-time employees are covered. This summary, however, is restricted to the coverage of private employers. Out-of-state employers whose employment in the state is for a definite or limited time period can choose to pay into the workers' compensation fund and will be considered covered employers within the meaning of the law and subject to its provisions. Primary contractors can be liable for the payments due under the workers' compensation law by their subcontractors.  1, with some exceptions All full- and part-time employees are covered, as are all minors. Independent contractors are considered employees until it is shown to the state's satisfaction that they have been and will continue to be free from control or direction over the performance of such service. Sole proprietors, officers of corporations, and partners in a business can elect coverage. Employers can elect not to purchase coverage for their employees who also are officers and stockholders.
 Wisconsin All private and public employers with three or more full- or part-time employees are covered. Employers with fewer than three employees become subject on Jan. 1 following any quarter in which their payroll is $500. This summary is restricted to the coverage of private employers. Independent contractors and corporate officers, in some cases, can be exempt, or can elect exemption. Employers can be held liable for workers' compensation coverage for a contractor's or subcontractor's employees if the contractor is not covered or has not complied with the law.  3 All full- and part-time employees are covered, as are all minors; independent contractors are not covered.
 Wyoming All private and public employers with workers in extra hazardous occupations must comply with the insurance requirements of the law. This summary, however, is restricted to the coverage of private employers. Nonresident employers that expect to pay wages within the state of more than $10,000 per month or $120,000 per year must file a surety bond or other security to ensure payment of benefits. The bond is in the amount of $10,000 plus $1,000 for each $120,000 or fraction thereof by which the expected wages exceed $120,000 annually. The bond or surety must be filed with the director prior to the employer beginning work in the state and is returned to the employer upon cessation of operations in Wyoming.  State Fund All full- and part-time employees engaged in extra hazardous occupations are covered, as are all minors; independent contractors and employees of employers in interstate commerce with no permanent or principle base of operations within Wyoming are not covered. Workers injured while working outside the state can receive benefits under Wyoming law if the following three conditions are met: • They are not entitled to benefits in the state where the injury occurred. • They would be entitled to benefits if the injury had occurred within Wyoming. • At the time of the injury they were under a contract of hire with a qualified resident or nonresident employer. Injuries incurred in Canada or Mexico are covered. Officers of corporations, members of limited liability companies, sole proprietors, or business partners can elect coverage; once elected, coverage must be retained for two years. Employers that elect coverage under this provision must simultaneously elect coverage for all of their employees, if such employees are not currently covered under the law. Employers can elect to obtain coverage for school-to-work participants engaging in program activities at their business locations.

 

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