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.

Most states require workers' compensation for small businesses that have employees. Learn what this policy covers, when it's required, and other answers to frequently asked questions.

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

Delaware law requires businesses to carry workers’ compensation insurance if they have one employee or more, regardless of whether they’re contract, part-time, full-time. This policy provides financial protection against work-related injuries.

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

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 South Carolina businesses that have four or more employees.

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

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

Kansas law requires every business with employees to provide workers’ compensation insurance. This policy covers the cost of medical treatment for injured workers.

Workers' compensation insurance covers the cost of work-related injuries. It's required for all Oklahoma businesses that have full-time and/or part-time 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 New Hampshire businesses that have employees, including part-time workers.