Do I Need Workers’ Compensation Insurance in 2026? The State-by-State Rules, Exemptions, and Penalties That Actually Matter
Quick Answer Most states require workers’ compensation insurance as soon as you hire your first employee. If you run a business with even one W-2 worker, odds are you’re legally required to carry a policy . But the rules aren’t uniform. Some states wait until you hire three, four, or five workers. A few carve…