Workers' compensation requirements differ by state—refer to the table below to find the minimum employee threshold for coverage and access state-specific resources for additional details.
|
State |
Employee minimum |
|
5 |
|
|
1 |
|
|
1 |
|
|
3 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
4 |
|
|
3 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
3 or more employees at any one time, or employs one or more workers for 35 or more hours per week for 13 or more weeks during the preceding 52 weeks. |
|
|
1 |
|
|
5 |
|
|
5 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
3 |
|
|
1 |
|
|
3 |
|
|
This state's program is managed by the government and not a private carrier, and therefore is not supported/paid by GoCo's Embedded Payroll Partner, Gusto or our workers' comp partner. Call the state directly at (800) 777-5033. |
|
|
This state's program is managed by the government and not a private carrier, and therefore is not supported/paid by GoCo's Embedded Payroll Partner, Gusto or our workers' comp partner. Call the state directly at (800) 644-6292. |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
1 |
|
|
4 |
|
|
1 |
|
|
5 |
|
|
Generally not required, unless in construction or government work |
|
|
1 |
|
|
1 |
|
|
2 |
|
|
This state's program is managed by the government, but is supported/paid by GoCo's Embedded Payroll Partner, Gusto. Visit our Washington registration and tax info article for more information about how this insurance is paid and how to enter employee risk class codes. |
|
|
1, with some exceptions |
|
|
Usually, if you employ three or more full-time or part-time employees, you must get insurance immediately. If you employ one or more full-time or part-time employees that you've paid combined gross wages of $500 or more in any calendar quarter for work done at one or more locations in Wisconsin, you must have insurance by the 10th day of the first month of the next calendar quarter. If you're a farmer who employs 6 or more workers on the same day for any 20 days during the calendar year, you must get insurance by the 10th day after the 20th day of employment. |
|
|
This state's program is managed by the government, but is supported/paid by GoCo's Embedded Payroll Partner, Gusto. Visit our Wyoming registration and tax info article and click Register a company with the state for more info. |
State-Specific Considerations
Wisconsin:
- General Businesses: Coverage required for 3+ employees.
- High Wage Employers: Coverage required for 1+ employees earning combined gross wages of $500+ per calendar quarter.
- Farmers: Coverage required if employing 6+ workers on the same day for 20+ days in a calendar year.
Government-Managed States:
States like North Dakota, Ohio, and Wyoming manage workers’ comp insurance directly through government programs. Contact the state agency for setup instructions.
If you have questions about workers’ compensation requirements or setup, contact GoCo Support at support@goco.io. 💚
For more detailed requirements, reach out to your state agency or a licensed workers’ comp provider.
Disclaimer:
This article is not to be taken as tax, legal, benefits, financial, or HR advice. Since rules and regulations change over time and can vary by location, consult a lawyer or HR expert for specific guidance.