Workers' compensation insurance

State laws usually require businesses to buy workers' compensation insurance when they have employees. But if you work as a sole proprietor or an independent contractor, you may still need this coverage.

Regulations for workers’ compensation insurance vary by state. Learn more about workers’ compensation state laws and how they apply to your small business.

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

Workers' compensation insurance covers the cost of work-related injuries. It's required for Alabama businesses that have five or more employees.

Commercial insurance protects businesses, freelancers, and independent contractors against liability lawsuits, property damage, cyberattacks, and other risks that could devastate your company.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all Wyoming businesses that have employees, unless they are self-employed or qualify for an exemption.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all Vermont businesses that have employees, unless they are self-employed or qualify for an exemption.

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 covers the cost of work-related injuries. It's required for all Tennessee businesses that have five or more employees.

Workers’ compensation insurance is optional for South Dakota 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 covers the cost of work-related injuries. It's required for all North Dakota businesses that have employees, including part-time workers.

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 New Hampshire businesses that have employees, including part-time workers.

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