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Articles > Working with a Contractor > Choosing A Pro

State Workers' Compensation Laws

The Branch of Planning, Policy, and Review, Office of Workers’ Compensation Programs, U.S. Department of Labor, has compiled a set of 20 tables on various provisions available under State workers’ compensation laws.

At the time of printing, the Branch had not received updated information from Alaska, the District of Columbia, Florida, Nevada, Oklahoma, and the Virgin Islands. We have therefore, printed the latest available information that we have for that jurisdiction.

Although Max Equity believes this information to be accurate and up-to-date, we strongly advise you to check with your state government prior to hiring a contractor.

Alabama

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Alaska

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Arizona

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Arkansas

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

California

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Colorado

Type of Law:Compulsory
Waivers Permitted:No 1/
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Connecticut

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Delaware

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

District of Columbia (Washington D.C.)

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Florida

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Georgia

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Hawaii

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Idaho

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Illinois

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Indiana

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Iowa

Type of Law:Compulsory
Waivers Permitted:Yes 2/
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Kansas

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Kentucky

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Louisiana

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Maine

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Maryland

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Massachusetts

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Michigan

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Minnesota

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Mississippi

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Missouri

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Montana

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Nebraska

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Nevada

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

New Hampshire

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

New Jersey

Type of Law:Elective 3/
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

New Mexico

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

New York

Type of Law:Compulsory
Waivers Permitted:No /4
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

North Carolina

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

North Dakota

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:No
     Group of Employers:No

Ohio

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Oklahoma

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Oregon

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Pennsylvania

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Puerto Rico

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:No
     Group of Employers:No

Rhode Island

Type of Law:Compulsory
Waivers Permitted:Yes /6
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

South Carolina

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

South Dakota

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Tennessee

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Texas

Type of Law:Elective
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Utah

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Competitive
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes /7

Vermont

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Virginia

Type of Law:Compulsory
Waivers Permitted:Yes
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

Virgin Islands

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:No
     Group of Employers:No

Washington

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

West Virginia

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Wisconsin

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

Wyoming 8/

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:No
     Group of Employers:No

U.S. Federal Employees' Compensation Act

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:Exclusive
     Private Carrier:No
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:No

U.S. Longshore and Harbor Workers' Compensation Act.

Type of Law:Compulsory
Waivers Permitted:No
Employer to Insure Through:
     State Fund:No
     Private Carrier:Yes
Self-Insurance By:
     Individual Employer:Yes
     Group of Employers:Yes

FOOTNOTES:

1/ Colorado: However, a person, company or corporation may not be construed to be an employer subject to workers' compensation liability under the specific criteria defined in section 8-40-302, C.R.S.

2/ Iowa: Limited to Corporate Officers.

3/ New Jersey: Technically coverage is elective, but practically compulsory.

4/ New York Waiver agreements, with respect to the benefits in a particular claim, are permitted when all parties to the agreement agree to terms, and the agreement is approved by Workers' Compensation Board.

5/ Ohio: Yes, but only for employer sponsored recreational activities.
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