Worker's Comp

Alabama

Household employers in Alabama are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Alaska

Household employers in Alaska are required to have a workers’ compensation policy for any household employee except part-time babysitters, cleaning persons, harvest help, and similar part-time or transient help.

Arizona

Household employers in Arizona are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Arkansas

Household employers in Arkansas are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

California

All employers – including families that have hired household help – need a workers’ compensation policy that covers all employees. You may be able to get a rider on your homeowner’s or renter’s policy. Part-time and temporary employees are typically covered by your homeowner’s policy. A full-time worker would need to be added. Without the appropriate coverage, you could be held personally responsible for your employee’s lost wages and medical bills due to a work-related injury or illness. Check with your insurance agent on how to add a household employee to your policy.

Colorado

Household employers in Colorado are required to have a workers’ compensation policy for all household employees working 40 hours or more in a week or working five days or more in a week.

Connecticut

Household employers in Connecticut are required to have a workers’ compensation policy for any household employee who works 26 hours or more per week

Deleware

Household employers in Delaware are required to have a workers’ compensation policy for any household employee who earns $750 or more in any three-month period from a single, private home or household.

District of Columbia

Household employers in Washington, D.C. are required to have a workers’ compensation policy if their employee works 240 hours or more in a calendar quarter.

Florida

Household employers in Florida are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Georgia

Household employers in Georgia are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Hawaii

Household employers in Hawaii are required to have workers’ compensation coverage for any employee working solely for personal, family, or household purposes whose wages are $225 or more during a calendar quarter and during each completed calendar quarter of the preceding 12-month period.

Idaho

Household employers in Idaho are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Illinois

Household employers in Illinois are required to have workers’ compensation coverage for any employee working at least 40 hours/week for 13 or more weeks

Indiana

Household employers in Indiana are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Iowa

All household employers in Iowa are required to have a workers’ compensation policy for any employee working in or about a private dwelling who is not a regular household member, whose earnings are $1,500 or more during the 12 consecutive months prior to an injury.

Kansas

All household employers in Kansas are required to have a workers’ compensation policy for any employee if the employer had a total gross payroll for the preceding year of $20,000 or more for all workers under his/her employ.

Kentucky

All household employers in Kentucky are required to have a workers’ compensation policy if they employ two or more household employees in a private home 40 or more hours a week.

Louisiana

Household employers in Louisiana are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Maine

Household employers in Maine are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Maryland

Household employers in Maryland are required to have a workers’ compensation policy for any household employee whose earnings are $1,000 or more in any calendar quarter from a private household. Household employers and their workers may jointly elect for coverage, even if the employee doesn’t meet the earnings requirement.

Massachusetts

Household employers in Massachusetts are required to have workers’ compensation coverage for all part- and full-time employees.

Michigan

Household employers in Michigan are required to have a workers’ compensation policy for any employee except those employed for less than 35 hours per week for 13 weeks or longer during the preceding 52 weeks.

Minnesota

Household employers in Minnesota are required to have a workers’ compensation policy for any household worker that earns more than $1,000 in any quarter.

Mississippi

Household employers in Mississippi are not required to have workers’ compensation coverage unless they have five or more employees. However, you can choose a voluntary policy to protect both you and your employee.

Missouri

Household employers in Missouri are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Montana

Household employers in Montana are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Nebraska

Household employers in Nebraska are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Nevada

Household employers in Nevada are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

New Hampshire

Household employers in New Hampshire are required to have workers’ compensation coverage for all part- and full-time employees.

New Jersey

Household employers in New Jersey are required to have workers’ compensation coverage for all part- and full-time employees. In New Jersey, you may be able to add workers’ compensation to your homeowner’s policy.

New Mexico

Household employers in New Mexico are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

New York

Household employers in New York are required to have workers’ compensation coverage for any employee working 40 hours or more per week. This applies to live-in and live-out employees.

North Carolina

Household employers in North Carolina are required to have a workers’ compensation policy if they employ more than 10 full-time, non-seasonal laborers. However, you can choose a voluntary policy to protect both you and your employee

North Dakota

Household employers in North Dakota are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Ohio

Household employers in Ohio are required to have a workers’ compensation policy for any employee who earns $160 or more in any calendar quarter from one employer.

Oklahoma

Household employers in Oklahoma are required to have workers’ compensation coverage for all employees if their gross annual household payroll in the preceding calendar year was more than $50,000.

Oregon

Household employers in Oregon are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Pennsylvania

Household employers in Pennsylvania are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Rhode Island

Household employers in Rhode Island are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

South Carolina

Household employers in South Carolina are not required to have workers’ compensation coverage for any full- or part-time employees unless they employ four or more domestic workers. However, you can choose a voluntary policy to protect both you and your employee.

South Dakota

Household employers in South Dakota are required to have workers’ compensation coverage for any employee who works for more than 20 hours in a calendar week or for more than six weeks in any 13-week period.

Tennessee

Household employers in Tennessee are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Texas

Household employers in Texas are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Utah

Household employers in Utah are required to have workers’ compensation coverage for any household employee who works 40 or more hours per week for the same employer.

Vermont

Household employers in Vermont are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee

Virginia

Household employers in Virginia are not required to have workers’ compensation coverage if they have fewer than three employees. However, you can choose a voluntary policy to protect both you and your employee

Washington

Household employers in Washington are required to carry workers’ compensation coverage if two or more employees each work 40 or more hours per week, or if an employee is providing nursing care.

West Virginia

Household employers in West Virginia are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee

Wisconsin

Household employers in Wisconsin are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

Wyoming

Household employers in Wyoming are not required to have workers’ compensation coverage for any full- or part-time employees. However, you can choose a voluntary policy to protect both you and your employee.

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