Your State's Workers' Comp
Here we cover the specific state laws and requirements for small business employers and your state’s Workers’ Comp Insurance obligations.
First, who needs to be covered by Workers’ Comp coverage? Second, where can you get it? Also, how much does it cost? All of this is covered by state law.
Additionally, are you headquartered or based in a particular state, but have employees working, or transiting on the clock, to or through another state to perform work? Further, the Workers’ Compensation laws in THAT or THOSE states will also determine coverage requirements. Finally, if your employees are working in more than one state, you will need coverage in each state.
WorkersComp4SmallBusiness can help with just that.
Additionally, we’ve made some additional resources readily available, and you’ll see links to our Harman Stone Corporation main site. Dig into them as you need, then return here. Our goal is to make this an easy and quick read. We’ll give you what you need, and stick to basics. Deeper information is available if you need it; just follow the links.
Workers Comp laws are generally in effect in all 50 states, in D.C. and all U.S. territories. Those laws spell out the requirements for most employers.
If you have employees, in the strict legal sense, Workers Comp Insurance is almost certainly required by your state, but . . . the nature of your business and certain of its characteristics determine whether your state requires it or not. If, for example, your small business runs with the labor of salaried and/or hourly employees and “independent contractors” as well, the state law will need careful interpretation as to its applicability to your small business and its operating model.
We’ve provided a list of state requirements elsewhere on this site. It’s very important for you to check, and become familiar with, your own state’s requirements. And if you do business in multiple states, then the laws of several may apply. Yeah, we know. It isn’t simple, but it’s our goal to make it as easy as possible.
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