Guides by state

Workers’ compensation is regulated state by state, so the first question for any employer is simple: what does your state require? These guides cover employee-count thresholds, construction-specific rules, officer and owner exclusions, penalties for going uninsured, and where to buy coverage — private carrier, state fund, or self-insurance. Each guide links to the official state agency it is based on and shows the date it was last verified. Not sure where to start? Use the 50-state comparison table for a quick overview, then open your state’s full guide.

Texas Workers' Comp Requirements: Who can opt out, required notices and filings, and the risks of going without.

Guides by state

Workers’ Compensation Insurance Requirements in Texas

Kevin Garcia de Paz / August 24, 2026

Workers’ Compensation Insurance Requirements in Texas Texas is the only state where most private employers can legally choose not to

California Workers' Comp Requirements: The one-employee rule, exclusions, the ABC test and stop-order penalties.

Guides by state

Workers’ Compensation Insurance Requirements in California

Kevin Garcia de Paz / August 24, 2026

Workers’ Compensation Insurance Requirements in California California’s rule is short: every employer except the state must carry workers’ comp, starting