State laws

Workers' compensation insurance covers the cost of work-related injuries. It's required for all New York businesses that have employees.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all Massachusetts businesses that have employees, including part-time workers.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all Michigan businesses that have employees, based on specific criteria.

Colorado state law requires that all employees, whether they are part-time or full-time, be covered by workers’ compensation insurance, with limited exceptions.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all North Carolina businesses that have three or more employees.

Workers’ compensation insurance is optional for most Texas businesses. However, many small business owners choose to get coverage because it’s a cost-effective option that can help you save money in the long run.

Workers' compensation insurance is required for all Florida businesses with four or more employees. Construction businesses must have coverage for every employee.