Valor Payroll Solutions

Workers' Compensation Requirements by State

Enterprise payroll expertise, exclusively for small businesses.

Welcome to Valor Payroll Solutions’ comprehensive guide on Workers’ Compensation Requirements by State. Our aim is to simplify and optimize your understanding of workers’ compensation regulations across different states. Whether you’re a small business owner or an HR professional, our resource is designed to enhance your compliance efforts and boost your online visibility.

Why Workers’ Compensation Matters: Workers’ compensation is crucial for both employees and employers, offering financial protection in the event of workplace injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs for employees, while helping employers manage financial risks and ensure compliance with state regulations.

Why Choose Valor Payroll Solutions: Valor Payroll Solutions offers more than just information – we provide solutions. Our suite of payroll and HR services includes assistance in setting up workers’ compensation policies with pay-as-you-go options. This innovative approach allows you to manage insurance premiums efficiently, aligning them with your payroll expenses.

Conclusion: Streamline your understanding of workers’ compensation requirements with Valor Payroll Solutions. Our guide simplifies compliance efforts while optimizing your online visibility. Explore our resource to access detailed information on workers’ compensation regulations and learn how our services can help you navigate these requirements seamlessly, boosting your business’s success and online presence.

StateMandatory with how many employees?Additional notes
Alabama5+ employees (1+ employees for construction)Officers are included in the employee count
Alaska1+ employees
Officers with less than 10% ownership are considered employees
Arizona1+ employees
Officers with less than 50% ownership are considered employees
Arkansas3+ employees (2+ employees for construction)Officers are included in the employee count
California1+ employees 
Colorado1+ employees 
Connecticut1+ employees 
Delaware1+ employees 
District of Columbia1+ employees
Executive officers who receive remuneration are considered employees
Florida4+ employees (1+ employees for construction)
Officers with less than 10% ownership are considered employees
Georgia3+ employeesOfficers are included in the employee count
Hawaii1+ employees 
Idaho1+ employees 
Illinois1+ employees 
Indiana1+ employees 
Iowa1+ employees 
KansasMandatory for all employees/officers making $20,000+ per year
Kentucky1+ employees 
Louisiana1+ employees 
Maine1+ employees 
Maryland1+ employees 
Massachusetts1+ employees 
Michigan1+ employees 
Minnesota1+ employees 
Mississippi5+ employees 
Missouri5+ employees (1+ employees for construction) 
Montana1+ employees 
Nebraska1+ employees 
Nevada1+ employees 
New Hampshire1+ employees
The first 3 corporate officers are not counted as employees
New Jersey1+ employees 
New Mexico3+ employees (1+ employees for construction)Officers are included in the employee count
New York1+ employees 
North Carolina3+ employees
Corporate officers are included in ee count; Sole prop, LLC officers count towards ee count IF included on WC policy
North Dakota Monopolistic StateInsurance must be purchased directly from the state
OhioMonopolistic StateInsurance must be purchased directly from the state
Oklahoma1+ employees 
Oregon1+ employees 
Pennsylvania1+ employees 
Rhode Island1+ employees 
South Carolina4+ employees 
South Dakota1+ employees 
Tennessee5+ employees (1+ employees for contractors)
Compensated officers are included in the employee count
TexasOPTIONAL – still highly recommended
Employees that become injured may bring a suit against the employer
Utah1+ employees 
Vermont1+ employees 
Virginia3+ employeesOfficers are included in the employee count
Washington Monopolistic StateInsurance must be purchased directly from the state
West Virginia1+ employees
Owners, partners, officers, and members are assumed to be employees
Wisconsin1+ employees 
WyomingMonopolistic StateInsurance must be purchased directly from the state

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