Workers Compensation Insurance Requirements By State?

Alabama

5

Casual employees, real estate brokers, and domestic servants

Alaska

1

Domestic servants, contract entertainers, and part-time babysitters

Arizona

All employers

Independent contractors and casual employees

Arkansas

3

Casual employees, state employees, and agricultural farm laborers

California

1

Deputy clerks, individuals offering voluntary services for a non-profit recreational camp, and domestic employees employed by a family member

Colorado

1

Volunteers and drivers having a lease agreement with a contract carrier

Connecticut

1

Casual employees and independent contractors

Delaware

1

Casual employees and spouse and minor children not included in an endorsement to a farm employer’s contract of insurance

District of Columbia

All employers

Individuals with employers who are uninsured subcontractors can assert a claim against the general contractors

Florida

4

Independent contractors except for the construction industry, casual workers, and volunteers

Georgia

3

Domestic servants, independent contractors, and farm laborers

Hawaii

All employers

Primary and secondary contractors

Idaho

1

Casual employees, real estate brokers, and domestic servants

Illinois

All employers

Farmers and real estate brokers

Indiana

All employers

Casual workers, farm or agricultural employees, firemen, and household employees

Iowa

All employers

Household employees with less than $1,500 income during 12 months before an injury and casual employees earning less than $1,500 for 12 consecutive months

Kansas

All employers

Not available

Kentucky

1

Maintenance, repair, and other related workers employed in a private home

Louisiana

1

Performers under contract and employees of private residential household

Maine

1

Some agricultural employees and independent contractors

Maryland

1

Independent contractors

Massachusetts

1

Casual employees and real estate brokers

Michigan

3

Certain agricultural workers and real estate agents

Minnesota

All employers

Farmers exchanging work with family members or other farmers in the same community

Mississippi

5

Independent contractors

Missouri

5

Domestic servants, volunteer, and direct sellers

Montana

1

Freelance photographers, direct sellers, domestic servants, and real estate agents

Nebraska

1

Railroad workers and domestic servants

Nevada

1

Domestic servants, casual employees, and real estate agents

New Hampshire

1

Real estate brokers and direct sellers

New Jersey

1

Domestic workers and independent contractors

New Mexico

3

Real estate brokers and domestic workers

New York

1

Railroad workers and domestic servants working less than 40 hours a week

North Carolina

3

Individuals not in the course of the trade, business, or profession of their employers

North Dakota

All employers

Real estate agents, independent contractors, and casual workers

Ohio

2

Not available

Oklahoma

All employers

Real estate brokers, volunteers, domestic servants in private homes, and sole proprietors

Oregon

All employers

Casual employees

Pennsylvania

All employers

Casual workers

Rhode Island

All employers

Farmers, real estate brokers, and casual workers

South Carolina

4

Casual workers

South Dakota

All employers

Independent contractors, volunteers, and farm laborers

Tennessee

All employers

Certain undocumented workers

Texas

Workers compensation insurance optional

Federal employees and independent contractors

Utah

1

Real estate brokers

Vermont

1

Real estate brokers, casual employees, and independent contractors

Virginia

3

Individuals with employment not within the usual course of the employer’s business

Washington

All employers

Jockeys, domestic servants, performers, and sole proprietors

West Virginia

1

Church workers, domestic servants, and casual employees

Wisconsin

3

Domestic servants

Wyoming

All employers

Independent contractors, casual employees, volunteers, and federal government employees