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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.
| State | Employee 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 |
| Michigan | 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 |
| 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 Dakota | STATE FUND |
| Ohio | STATE FUND |
| Oklahoma | 1 |
| Oregon | 1 |
| Pennsylvania | 1 |
| Rhode Island | 1 |
| South Carolina | 4 |
| South Dakota | 1 |
| Tennessee | 5 |
| Texas | Generally not required, unless in construction or government work |
| Utah | 1 |
| Vermont | 1 |
| Virginia | 3 |
| Washington | STATE FUND |
| West Virginia | 1, with some exceptions |
| Wisconsin | If you have 3 or more employees you must get insurance immediately. If you have 1 or more employees who have been paid $500 or more in a calendar quarter, you must have insurance by the 10th day of the first month of the following quarter. |
| Wyoming | STATE FUND |
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