Do I Need Workers’ Compensation Insurance?
If you employ workers, you often need workers’ compensation, but each state sets its own thresholds and exceptions.
NAIC says nearly all states require employers to cover employees, with Texas a notable opt-in exception for most private employers. Contracts and other state rules can add requirements.
List every state where staff work, including remote workers, and confirm each person’s classification. Check the state agency’s threshold, then verify the policy lists the right entity, states, locations, and payroll.
