When a small business needs coverage
Most states require coverage once you have employees, but the trigger varies. Some states require it with one employee, others set a higher count, and a few have special rules for construction or agriculture. Texas lets most private employers choose.
Owners, partners and corporate officers are treated differently in each state. In some states owners are covered unless they opt out; in others they are excluded unless they opt in.
Keeping the cost predictable
Premium is based on payroll, so estimate it honestly and update your carrier when you hire. Pay-as-you-go billing spreads premium across payroll runs and reduces the size of any audit adjustment.
A written safety plan, a return-to-work program for injured employees and prompt claim reporting all help keep losses, and future premiums, down.
Small businesses we commonly help
- Offices and professional services
- Salons and personal care
- Cleaning and janitorial
- Auto repair shops
- Medical and dental offices
- Nonprofits
Small businesses workers comp by state
Requirements and rating rules vary by state. Choose your state for the essentials, including who must carry coverage and who oversees it.
Frequently asked questions
What happens if I do not carry required coverage?
Penalties vary by state and can include fines, stop-work orders and personal liability for an injured employee's costs. Checking the requirement for your state is worth the time.
Can I get workers comp without a prior policy?
Yes. Many carriers write businesses that have never had coverage, especially when there are no prior losses to explain.
How long does it take to get covered?
For straightforward businesses, coverage can often be bound quickly once the application and any deposit are complete.