BizQuotedCoverage worksheet · US small businessCheck coverage

State Requirements

What each state actually mandates, including the monopolistic four

Workers' Comp Requirements by State (All 50, One Table)Most states require workers' comp at the first employee — but not all, and four states make you buy it from a state fund. One table covers every state's general threshold, the monopolistic four, sole-proprietor and officer exemptions, and what enforcement looks like when you skip required coverage.Dan Reyes · Aug 2, 2026