03/10/2026
⚠️ **Reminder for Employers Across the U.S.** ⚠️
Many business owners think they don’t need **Workers’ Compensation Insurance** until they have several employees — but in many states, **you are required to carry coverage with even just ONE employee.**
Here’s a quick breakdown of when Workers’ Comp becomes required:
**1+ Employee Required:**
AK, AZ, CA, CO, CT, DE, DC, HI, ID, ME, MD, MA, MI, MN
**3+ Employees Required:**
AR, NM, NC, WI
**4+ Employees Required:**
FL, SC
**5+ Employees Required:**
AL, MS, MO, TN
**Special Rules:**
• TX – Workers’ Comp is optional
• KS – Required if payroll exceeds **$20,000 annually**
💡 **Why this matters:**
Failing to carry required Workers’ Compensation can result in **significant fines, penalties, and personal liability for workplace injuries.**
📞 **Need Workers’ Compensation Insurance? Call 512-201-6713 to get covered today.**
