As a legal requirement, workers compensation is mandated by law in 49 states; Texas is the exception.
Keep in mind that states often vary in terms of which types of employees are covered, when an employer needs to obtain coverage, and other requirements. You can get an overview of state workers compensation laws here, but it’s important to check with your specific state and county.
Beyond meeting legal requirements, there are other benefits to having workers compensation insurance. Having coverage can:
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.