Are You Up to Date On Your Workers Comp Requirements?
Different State Requirements for Workers Compensation Insurance
When you’re a small business owner, one of the most important things you’ll need to get in order is your workers compensation insurance. Yet, the requirements and specifics are different for each state, and sometimes it’s difficult to track down. Right here, you’ll find some guidelines that we’ve put together for state workers comp insurance requirements.
Feel free to get in touch with us if you have any questions, or you’re looking to get a free, no obligation quote. You can call us directly at 407 889 2612 and we look forward to hearing from you and telling you more about how we can help.
As one overall guideline, the number of employees includes either part-time or full-time employees. Corporate officers are also included in this count. Sole proprietors are generally viewed as employers, not employees. Beyond that, more specific guidelines for states include:
Businesses in residential construction must have workers comp insurance regardless of how many employees they have.
For all other businesses and industries, the requirement is for when you have five or more employees.
Construction businesses need workers comp insurance regardless of how many employees, along with proof that subcontractors have their own workers comp.
Agricultural businesses need workers comp with six or more regular employees, and/or 12 or more seasonal employees for 30 days or more.
For all other industries, the requirement is for four or more employees.
The requirement for Georgia workers compensation insurance is for three or more employees.
All Louisiana businesses, regardless of industry or how many employees they have, must have workers compensation insurance.
Construction businesses need workers comp with one or more employees. The same guideline applies to the coal mining industry.
For all other industries, the requirement is for five or more employees.
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