State Insurance Requirements Checker
Check the mandatory business insurance requirements for your state, including workers' compensation thresholds, auto minimums, and disability requirements.
Insurance requirements vary significantly by state. This tool shows you what coverage is legally required for your business based on your state and number of employees.
Coverage
All 50 states + DC
Requirements
WC, auto, disability
Details
Thresholds & exemptions
State requirements change frequently. This tool reflects our most recent research but may not capture recent legislative changes. Always verify current requirements with your state's Department of Insurance.
How to Use This Tool
Here's how to check your state's insurance requirements:
Select Your State
Choose the state where your business operates. If you operate in multiple states, check each one.
Enter Employee Count
Enter your number of employees. Many state mandates have employee thresholds.
Review Requirements
See which insurance types are mandatory, what the thresholds are, and any exemptions that may apply to your business.
Frequently Asked Questions
Do all states require workers' compensation?
Nearly all states require workers' compensation for businesses with employees, but Texas and a few other states make it optional. Employee thresholds also vary — some states require it with just one employee, others set the threshold at 3, 4, or 5 employees.
What happens if I don't carry required insurance?
Penalties for non-compliance vary by state and can include fines, criminal charges, loss of business license, and personal liability for employee injuries. In some states, operating without required workers' comp is a felony.