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State requirements for Workers' Compensation insurance

Requirements to obtain Workers' Compensation vary state by state. This table outlines some of these requirements. 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 specific regulations.

StateEmployee Minimum
 Alabama 5
 Alaska 1
 Arizona 1
 Arkansas 3
 California 1
 Colorado 1
 Connecticut 1
 Delaware 1 
 District of Columbia 1
 Florida 4
 Georgia 3 
 Hawaii 1
 Idaho 1
 Illinois 1
 Indiana 1
 Iowa 1
 Kansas 1 
 Kentucky  1
 Louisiana 1
 Maine  1 
 Maryland 1
 Massachusetts 1
 Michigan3 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
 Minnesota 1 
 Mississippi 5 
 Missouri 5 
 Montana 1 
 Nebraska 1
 Nevada 1
 New Hampshire 1
 New Jersey 1
 New Mexico 3
 New York 1 
 North Carolina  3
 North DakotaSTATE FUND
 OhioSTATE FUND
 Oklahoma 1  
 Oregon 1
 Pennsylvania 1
 Rhode Island 1
 South Carolina 4
 South Dakota 1
 Tennessee 5 
 TexasGenerally not required, unless in construction or government work
 Utah 1 
 Vermont  1 
 Virginia 3 
 WashingtonSTATE FUND
 West Virginia 1, with some exceptions
 Wisconsin 3
 WyomingSTATE FUND