Workers' comp, state by state.
Who must carry workers' comp, who sets your class codes and where you buy coverage all differ by state. Each state's page gives what is confirmed, citing each source and its date.
Alabama
Required from 5 employees, with conditions. NCCI codes.
Alaska
Required from the first employee. NCCI codes.
Arizona
Required from the first employee. NCCI codes.
Arkansas
Required from 3 employees. NCCI codes.
California
Required from the first employee. Own rating bureau and classes.
Colorado
Required from the first employee. NCCI codes.
Connecticut
Required from the first employee. NCCI codes.
Delaware
Required from the first employee. Own rating bureau and classes.
District of Columbia
Required from the first employee. NCCI codes.
Florida
Required from 4 employees. NCCI codes.
Georgia
Required from 3 employees, with conditions. NCCI codes.
Hawaii
Required from the first employee. NCCI codes.
Idaho
Required from the first employee. NCCI codes.
Illinois
Required from the first employee. NCCI codes.
Indiana
Required from the first employee. Own rating bureau, NCCI codes.
Iowa
Required from the first employee, with conditions. NCCI codes.
Kansas
Required above a payroll test that counts wages in every state. NCCI codes.
Kentucky
Required from the first employee. NCCI codes.
Louisiana
Required from the first employee. NCCI codes.
Maine
Required from the first employee. NCCI codes.
Maryland
Required from the first employee. NCCI codes.
Massachusetts
Required from the first employee. Own rating bureau, mostly NCCI numbers.
Michigan
Required from 3 employees, or 1 working full time. Own rating bureau.
Minnesota
Required from the first employee. Own rating bureau, mostly NCCI numbers.
Mississippi
Required from 5 employees, with conditions. NCCI codes.
Missouri
Required from 5 employees. NCCI codes.
Montana
Required from the first employee. NCCI codes.
Nebraska
Required from the first employee. NCCI codes.
Nevada
Required from the first employee. NCCI codes.
New Hampshire
Required from the first employee. NCCI codes.
New Jersey
Required from the first employee. Own rating bureau, mostly NCCI numbers.
New Mexico
Required from 3 employees, counted in every state. NCCI codes.
New York
Required from the first employee. Own rating bureau, mostly NCCI numbers.
North Carolina
Required from 3 employees, with conditions. Own rating bureau, NCCI codes.
North Dakota
Required from the first employee. State fund only: Workforce Safety & Insurance (WSI).
Ohio
Required from the first employee. State fund only: Ohio Bureau of Workers' Compensation (BWC).
Oklahoma
Required from the first employee. NCCI codes.
Oregon
Required from the first employee. NCCI codes.
Pennsylvania
Required from the first employee. Own rating bureau and classes.
Rhode Island
Required from the first employee. NCCI codes.
South Carolina
Required from 4 employees, with conditions. NCCI codes.
South Dakota
Required from the first employee. NCCI codes.
Tennessee
Required from 5 employees. NCCI codes.
Texas
Optional for private employers. NCCI codes.
Utah
Required from the first employee. NCCI codes.
Vermont
Required from the first employee. NCCI codes.
Virginia
Required from 3 employees, with conditions. NCCI codes.
Washington
Required from the first employee. State fund only: Washington State Department of Labor & Industries (L&I) State Fund.
West Virginia
Required from the first employee. NCCI codes.
Wisconsin
Required from 3 employees, or fewer above a quarterly payroll test. Own rating bureau, mostly NCCI numbers.
Wyoming
Required in extra-hazardous industries. State fund only: Wyoming Workers' Compensation Division (DWS).
How states differ
NCCI's state map, in a copy dated September 29, 2026, lists NCCI as the rating bureau in 35 states and DC, where class codes follow its manual with each state's exceptions; 11 states with their own rating bureau; and North Dakota, Ohio, Washington and Wyoming as states where workers' comp insurance comes only from the state fund. Each state's page says what is confirmed. All class codes, by industry
Worklio Insurance Services LLC is a licensed insurance agency. Its producer is licensed in all 50 states and DC, and the agency license is active in 6 states, with the rest applied for. See insurance licenses. State pages summarize each agency's rules with the source; an advisor confirms your class codes.