Workers' compensation is regulated at the state level, so rules and penalties vary by state.
For example, New Jersey
requires coverage for any business with one employee. Florida
, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.
If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
Choose your state from the dropdown to learn more.