Worker’s compensation insurance requirements for employers vary from state to state. The differences can be vast and knowing what insurance requirements your state sets out for you is essential to protecting yourself as a business owner. Some states never require worker’s compensation insurance, some always require it, and for some, whether it is required depends on the number of employees your business has.
For example, in Massachusetts , all employers are required to carry workers’ compensation insurance covering their employees, including themselves if they are an employee of their company. This requirement applies regardless of the number of hours worked in any given week, except that domestic service employees must work a minimum of 16 hours per week in order to require coverage. However, in Texas, private employers can choose whether or not to carry workers’ compensation insurance coverage.
Check out WorkersCompensation.com for more information regarding state by state laws.