Small Business Insurance by State

Workers' compensation employee thresholds, estimated BOP premiums, and state-specific rules for all 50 U.S. states. Select your state below.

AL

Alabama

Workers' comp required at: 5 employees. Est. BOP: ~$720/yr.

 AK

Alaska

Workers' comp required at: 1 employee. Est. BOP: ~$810/yr.

 AZ

Arizona

Workers' comp required at: 1 employee. Est. BOP: ~$690/yr.

 AR

Arkansas

Workers' comp required at: 3 employees. Est. BOP: ~$650/yr.

 CA

California

Workers' comp required at: 1 employee. Est. BOP: ~$980/yr.

 CO

Colorado

Workers' comp required at: 1 employee. Est. BOP: ~$740/yr.

 CT

Connecticut

Workers' comp required at: 1 employee. Est. BOP: ~$810/yr.

 DE

Delaware

Workers' comp required at: 1 employee. Est. BOP: ~$700/yr.

 FL

Florida

Workers' comp required at: 4 employees (1 for construction). Est. BOP: ~$890/yr.

 GA

Georgia

Workers' comp required at: 3 employees. Est. BOP: ~$760/yr.

 HI

Hawaii

Workers' comp required at: 1 employee. Est. BOP: ~$830/yr.

 ID

Idaho

Workers' comp required at: 1 employee. Est. BOP: ~$600/yr.

 IL

Illinois

Workers' comp required at: 1 employee. Est. BOP: ~$870/yr.

 IN

Indiana

Workers' comp required at: 1 employee. Est. BOP: ~$680/yr.

 IA

Iowa

Workers' comp required at: 1 employee. Est. BOP: ~$630/yr.

 KS

Kansas

Workers' comp required at: Payroll over $20,000/year. Est. BOP: ~$660/yr.

 KY

Kentucky

Workers' comp required at: 1 employee. Est. BOP: ~$670/yr.

 LA

Louisiana

Workers' comp required at: 1 employee. Est. BOP: ~$920/yr.

 ME

Maine

Workers' comp required at: 1 employee. Est. BOP: ~$640/yr.

 MD

Maryland

Workers' comp required at: 1 employee. Est. BOP: ~$780/yr.

 MA

Massachusetts

Workers' comp required at: 1 employee. Est. BOP: ~$850/yr.

 MI

Michigan

Workers' comp required at: 1 employee. Est. BOP: ~$720/yr.

 MN

Minnesota

Workers' comp required at: 1 employee. Est. BOP: ~$700/yr.

 MS

Mississippi

Workers' comp required at: 5 employees. Est. BOP: ~$860/yr.

 MO

Missouri

Workers' comp required at: 5 employees (1 for construction). Est. BOP: ~$730/yr.

 MT

Montana

Workers' comp required at: 1 employee. Est. BOP: ~$710/yr.

 NE

Nebraska

Workers' comp required at: 1 employee. Est. BOP: ~$650/yr.

 NV

Nevada

Workers' comp required at: 1 employee. Est. BOP: ~$750/yr.

 NH

New Hampshire

Workers' comp required at: 1 employee. Est. BOP: ~$660/yr.

 NJ

New Jersey

Workers' comp required at: 1 employee. Est. BOP: ~$830/yr.

 NM

New Mexico

Workers' comp required at: 3 employees. Est. BOP: ~$720/yr.

 NY

New York

Workers' comp required at: 1 employee. Est. BOP: ~$910/yr.

 NC

North Carolina

Workers' comp required at: 3 employees. Est. BOP: ~$730/yr.

 ND

North Dakota

Workers' comp required at: 1 employee. Est. BOP: ~$640/yr.

 OH

Ohio

Workers' comp required at: 1 employee. Est. BOP: ~$610/yr.

 OK

Oklahoma

Workers' comp required at: 1 employee. Est. BOP: ~$760/yr.

 OR

Oregon

Workers' comp required at: 1 employee. Est. BOP: ~$720/yr.

 PA

Pennsylvania

Workers' comp required at: 1 employee. Est. BOP: ~$750/yr.

 RI

Rhode Island

Workers' comp required at: 1 employee. Est. BOP: ~$800/yr.

 SC

South Carolina

Workers' comp required at: 4 employees. Est. BOP: ~$750/yr.

 SD

South Dakota

Workers' comp required at: 1 employee. Est. BOP: ~$610/yr.

 TN

Tennessee

Workers' comp required at: 5 employees (1 for construction/mining). Est. BOP: ~$700/yr.

 TX

Texas

Workers' comp required at: Not required for most private employers (opt-in). Est. BOP: ~$780/yr.

 UT

Utah

Workers' comp required at: 1 employee. Est. BOP: ~$640/yr.

 VT

Vermont

Workers' comp required at: 1 employee. Est. BOP: ~$650/yr.

 VA

Virginia

Workers' comp required at: 2 employees. Est. BOP: ~$700/yr.

 WA

Washington

Workers' comp required at: 1 employee. Est. BOP: ~$750/yr.

 WV

West Virginia

Workers' comp required at: 1 employee. Est. BOP: ~$680/yr.

 WI

Wisconsin

Workers' comp required at: 3 employees. Est. BOP: ~$690/yr.

 WY

Wyoming

Workers' comp required at: 1 employee. Est. BOP: ~$660/yr.