Workers Compensation Regulators state by state


Insurance Requirements & Regulations by State 


Workers' Compensation insurance is regulated on a State-by-State basis, and so there can be important differences in the way employers handle their Workers' Compensation exposures in various states, and important differences in how premiums are calculated. 

Here are some details, state by state, with links to important regulatory agencies. Most 800 numbers shown are for in-state calls only.

A lot of the states are shown here with the notation "an NCCI state". This means that the state uses the various manuals, classification system, and experience rating formula developed by the National Council on Compensation Insurance, or NCCI.

NCCI is not a regulatory agency, though sometimes people think it is. 

It is an independent not-for-profit corporation created by the insurance industry to consolidate and standardize the fine details of Workers Compensation insurance premium computation. 
So NCCI develops manuals of rules that govern things such as what kinds of work get assigned to particular classification codes, how much payroll gets used to compute premium charges (and what gets excluded and under what circumstances).
NCCI also does the actuarial work to develop manual rates (or at least the loss costs that are the major component of manual rates) and computes experience modification factors for employers in those states that use the NCCI system.

NCCI is not the only Workers Compensation rating bureau in the U.S.--some states have their own independent rating bureaus.
And monopoly fund states don't have a rating bureau at all, as everything is handled by the state agency (but Ohio's monopoly fund does use the NCCI classification code system nowadays.)

Also, please keep in mind that the technical details regarding Workers' Compensation and premium computation are always subject to change and revision. AIM tries to keep this information current and accurate, but cannot guarantee that it is always so. To be prudent, we recommend that employers verify with appropriate insurance regulators any information pertaining to Workers' Compensation insurance premium computation and coverage. 


Alabama is an NCCI state, so Workers Comp insurance policies follow NCCI manual rules.

Employers here must either purchase a Workers Compensation insurance policy from an approved insurance company, or be approved to self-insure (realistic only for larger employers.)  

Employers with more than four employees (full or part-time) must have Workers Comp insurance (or obtain coverage via another approved method.)  In Alabama, employers can meet their Workers Comp obligations by either purchasing insurance, becoming a member of a group self-insurance trust, or by being approved as a self-insurer.  One other option is to obtain coverage by means of a PEO (Professional Employer Organization)—otherwise known as employee leasing.  

If a company is incorporated or an LLC the officers and members are counted as employees. And all employers with more than four (4) employees are required by Law to carry workers’ compensation insurance.  However, an officer may elect to be exempt by filing a WC15 (Officer Exemption Notice) to the Department of Industrial Relations, Workers' Compensation Division and the employer's insurance carrier.

At the end of any calendar year, a corporate officer who has been exempted may revoke the exemption by filing written notice thereof with the Department of Insurance and the employer's insurance carrier.

If the corporate officer elects to be exempt from coverage, the election shall not relieve the corporation from continuing coverage for all other eligible employees who may have been covered prior to the election or who may subsequently be employed.

Sole Proprietors and Partners are excluded from Workers Compensation requirements unless they choose to file an election to accept the provisions of the Alabama Workers' Compensation Law. To accept the provisions of the workers' compensation law and be covered by a workers' compensation policy, Sole Proprietor/Partner(s) must complete a WC14 Part I Form and file it with the Department of Insurance.  Once filed, the WC14 stays in effect until it is withdrawn by the Sole Proprietor/Partner(s) by filing Part II of the WC14.


In Alabama, Workers Compensation claims matters are overseen by:






This agency also regulates individual self-insurers and group self-insurance programs.


Disputes about Workers Compensation insurance (including premiums) are the province of The Alabama Department of Insurance.  Contact information for this body is as follows.

Regular U.S. Mail Address:
Alabama Department of Insurance
 P O Box 303351
Montgomery, AL 36130-3351

Overnight Address:
Alabama Department of Insurance
201 Monroe Street
Suite 1700

Montgomery, AL 36104

Phone: 334-269-3550

Fax: 334-241-4192



This is also an NCCI state.  Alaska requires all employers with more than one employee to obtain Workers Compensation insurance (unless the employer is approved as a self-insurer.  

Alaska does not allow group self-insurance pools. There are some exceptions to the requirement to obtain insurance: sole proprietors don’t have to insure themselves (but they would have to provide insurance if they have an employee; general partners in a partnership also don’t have to insure themselves, but again have to get insurance if they have employees;

executive officers in a nonprofit corporation aren’t required to get insurance for themselves, and the same is true for members in a member managed limited liability company, part-time baby-sitters, cleaning persons (non-commercial), harvest help and similar part-time/transient help, sports officials for amateur events, contract entertainers, commercial fishers, taxicab drivers whose compensation is by contractual arrangement, a participant in the Alaska temporary assistance program, and professional hockey team players and coaches if those persons are covered under a health care insurance plan.

In addition, executive officers in a for-profit corporation may exempt themselves by filing an Executive Officer Waiver with the Alaska Department of Labor and Workers Compensation.

Alaska still maintains a Second Injury Fund (at least at the time of this writing.)  Second Injury funds provide reimbursement to insurers and self-insured employers for claims of workers where it can be documented that the workers had a pre-existing condition that contributed to the claim.

Alaska also maintains a separate Fishermen’s Fund covers licensed commercial fishermen for injuries while fishing onshore or offshore.

In Alaska, claims matters are under the jurisdiction of:
Alaska Department of Labor and Workforce Development, Division of Workers Compensation
Contact Information:
PO Box 115512
Juneau, AK 99811
     Phone: 907-465-2790 Fax: 907-465-2797 


Insurance disputes (such as those over premium charges) would be under the jurisdiction of:
The Alaska Division of Insurance (part of the Department of Community and Economic Development)

Contact Information:
9th Floor State Office Bldg.
333 Willoughby Avenue 99801
PO Box 110805
   Juneau, Alaska 99811-0805
(907) 465-2515    Fax (907) 465-3422    TDD (907) 465-5437  


Robert B. Atwood Building
550 W. 7th Avenue, Suite 1560
Anchorage, Alaska 99501-3567

(907) 269-7900    Fax (907) 269-7910   TDD (907) 465-5437


Another NCCI state.  Employers must meet their Workers Compensation obligations by purchasing insurance from a private insurance company, or be authorized to self-insure.  Arizona formerly maintained a competitive state fund, but as has happened in other states in recent years, what used to be the state fund has been transformed into a non-profit mutual insurance company that is no longer part of state government.  This mutual insurer, CopperPoint Mutual Insurance, has to compete with other insurance companies in the state.

NCCI administers an Assigned Risk Plan for Arizona, which serves as the insurer of last resort for Arizona employers.

Arizona requires all employers with one or more employees to maintain valid Workers Compensation insurance (or be approved for self-insurance.)

The state agency with jurisdiction over claims, and over employer compliance with Workers Compensation insurance requirements, is:

Industrial Commission of Arizona

Industrial Commission Contact Information


Insurance disputes (such as disputes over proper Workers Compensation insurance premiums) are the jurisdiction of:

Arizona Department of Insurance 
2910 N. 44th St. Suite 210 
, Az. 85018-7269               

Contact Information



This is another NCCI state.  In Arkansas, employers must meet their Workers Compensation obligations by either purchasing an insurance policy from an approved insurer, or by being approved to be self-insured.  

Most employers with three or more employees must purchase Workers Compensation insurance.  For employers in the building trades, the threshold is two or more employees.  

Where a subcontractor is used, the threshold is one employee.  

Sole proprietors or partners who devote full time to the business are covered unless they elect to be exempted.  (This is different than in many other states, where sole proprietors and partners are not automatically eligible, and must elect to be covered.)  Executive officers of a corporation may choose to exclude themselves (but must cover employees.)

In Arkansas, if a sole proprietor or partner elects not to obtain Workers Compensation coverage for themselves, a primary contractor that utilizes their services is not liable for the Workers Compensation liability (this is different than the way this issue is treated in many other states.)  However, a prime contractor would still be liable for uninsured workers of a subcontractor if those workers are not the sole proprietor or a partner.

The government agency in Arkansas that has jurisdiction over claims and over enforcing employer compliance with Workers Compensation coverage is:

The Arkansas Workers Compensation Commission
324 Spring Street
P.O. Box 950
Little Rock, Arkansas 72203-0950

Telephone 1-501-682-3930 / 1-800-622-4472


The government agency in Arkansas that has jurisdiction over disputes regarding Workers Compensation insurance premiums between employers and their insurance company is:

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201

(501)371-2600 or 1-800-282-9134


Not an NCCI state.  Instead, California, which is the largest single state market for Workers Compensation insurance, has its own separate rating bureau, the Workers Compensation Insurance Rating Bureau of California, or WCIRB.  This means that all the rules and regulations that govern Workers Compensation insurance classifications, premium computation, and experience rating are set out in manuals from WCIRB, not NCCI.  And thus the details about what kinds of work are assigned to which particular classification codes can be different in California.  And some of the fine details regarding how experience modification factors are calculated are different also.  

Contact information for the WCIRB is:

Workers Compensation Insurance Rating Bureau of California
525 Market Street, Suite 800
San Franscisco, CA 94105-2767  


Phone: 888.CA.WCIRB (888.229.2472) 
Fax: 415.778.7272

Employers in California can choose between private insurance companies or the state-administered Workers Compensation fund, known as the State Compensation Insurance Fund, or SCIF.  An employer in Californiacan also elect to self-insure for Workers Compensation, but this is typically feasible only for larger employers.

In California, as soon as an employer has a single employee, the employer must have Workers Compensation coverage (either from an approved insurance company, SCIF, or be approved for self-insurance.  A roofing company is required to have Workers Comp insurance even if it has no employees.  And unlike many other states, a real estate broker is required to cover its agents, even if they are independent contractors.

In California, unlike most other states, one can go back only one year into the past when correcting an error in classification code on Workers Compensation policies.  Most states will generally allow an employer to go back at least as far as three years prior to the current policy.

Workers Compensation claims are the jurisdiction of:

The California Department of Industrial Relations, Division of Workers Compensation

Contact Information


Workers Compensation insurance (including disputes over premiums) falls under the jurisdiction of the California Department of Insurance.


Contact information for the division that handles premium disputes is:

California Department of Insurance



This is another NCCI state. Colorado used to have a competitive state fund, but that state fund has been transformed into an insurance company that competes with other insurers.  

In Colorado, all public and private employers with one or more full or part-time workers must either purchase Workers Compensation insurance or be approved for self-insurance (which, as in most states, is only feasible for larger employers.)  There are a few exceptions to this, including:

o    Certain casual maintenance or repair work performed for a business for under $2,000 per calendar year

o    Certain domestic work, maintenance or repair work for a private homeowner that is not done full time

o    Licensed real estate agents and brokers working on commission

o    Independent contractors who perform specific for-hire transportation jobs

o    Drivers under a lease agreement with a common or contract carrier

o    Any person who volunteers time or services for a ski area operator

o    Persons who provide host home services as part of residential services and supports

o    Federal employees (covered under federal laws) Railroad employees (covered under federal laws) 

A corporate officer of a corporation or a member of a limited liability company may elect to reject the requirement to carry workers’ compensation insurance. The election to reject coverage is completed by providing written notice on a form available from the Division of Workers Compensation (part of the Department of Labor & Employment.)

A corporate officer is defined as the chairperson of the board, president, vice-president, secretary, or treasurer who is an owner of at least ten percent of the stock of the corporation and who controls, supervises or manages the business affairs of the corporation.

A member is defined as an owner of at least ten percent of the membership interest of the limited liability company at all times and who controls, supervises, or manages the business affairs of the limited liability company.


Independent contractors are not considered to be employees of a business that hires them, as long as they meet the following criteria:


The independent contractor is free from the business’ control and direction over how the service is performed; and the individual must be customarily engaged in an independent business related to the service being performed.


These are the two key principles of independent contracting in Colorado.  A written contract may be helpful in proving independent contractor status. However, the actual facts of the work relationship are the most important evidence. 

Sole proprietors and partners in a business are not required to carry Workers Compensation insurance on themselves (but would be required to carry insurance as soon as they have any employees.)

Workers Compensation insurance premium disputes are the jurisdiction of:

Colorado Division of Insurance


Another NCCI state.  All employers are required to either carry insurance from an approved insurer, or to be approved as a self-insurer by the CT Workers Compensation Commission. 

Workers Compensation Commission
Capitol Place
                              Phone: (860) 493-1500  Fax: (860) 247-1361
21 Oak Street

Hartford, CT 06106


Disputes over Workers Compensation insurance premiums are handled by the Connecticut Insurance Department.

Connecticut Insurance Department
153 Market St.
Hartford, CT 06103

Mailing Address:
P.O. Box 816
      Hartford, Ct 06142-0816      

Phone: (860) 297-3800 (800) 203-3447 Fax :(860) 566-7410


Employers with one or more employees are required to carry workers' compensation insurance.

Farm workers are exempt from the workers' compensation statute, however, these employers may elect to provide coverage

Delaware and Pennsylvania share a unique non-NCCI classification system which does not match up one for one with the NCCI classification system.

Additionally, the premium portion of payroll is not deductible for purposes of calculating Workers' Compensation premiums.

Insurance is regulated by

Office of Insurance Commissioner 
841 Silver Lake Blvd., Rodney Building 
Dover, DE 19904 

The non-NCCI rating bureau is:

Delaware Compensation Rating Bureau

Workers' Compensation is regulated by 

Office of Workers' Compensation 
State Office Building, Sixth Floor 
820 North French Street 
Wilmington, Delaware 19801 

District of Columbia

The District uses NCCI manual rules.

Workers Compensation insurance premium issues are under the jurisdiction of:

D.C. Dept. of Insurance & Security Regulation 
810 First Street, NE, Suite 701 
Washington, DC 20002 

But Workers Compensation claims are under the jurisdiction of:

Office of Workers' Compensation 
1200 Upshur Street, NW 
Post Office Box 56098 
Washington, District of Columbia 20011 


Florida is also an NCCI state, so premiums, classification codes, and experience modification factors are per the manual rules of the National Council on Compensation Insurance.

In Florida, non-construction employers must obtain valid Workers Compensation coverage once they have four or more full or part-time employees.

But employers in construction work must obtain Workers Comp coverage once they have one or more part-time or full time employees.

Sole proprietors and partners in the non-construction industry are automatically exempt from the law, but can elect to be covered. Non-construction industry corporate officers may elect to be exempt if: • The officer is listed as an officer of the corporation in the records of the Florida Department of State, Division of Corporations. • The corporation is registered and listed as active with the Florida Department of State, Division of Corporations. There is no limit to the number of corporate officers who can be exempt and there is no application fee. Non-construction exemptions are valid until a voluntary revocation is filed or the exemption is revoked by the Division.

Corporate officers or members of a limited liability company (LLC) in the construction industry may elect to be exempt if: • The officer owns at least 10 percent of the stock of the corporation, or in the case of an LLC, a statement attesting to the minimum 10-percent ownership. • The officer is listed as an officer of the corporation in the records of the Florida Department of State, Division of Corporations. • The corporation is registered and listed as active with the Florida Department of State, Division of Corporations. No more than three corporate officers per corporation or limited liability member are allowed to be exempt. A $50 fee is required for each application submitted to obtain an exemption. Construction exemptions are valid for a period of two years or until a voluntary revocation is filed or the exemption is revoked by the Division.

Florida excludes trucking industry owner/operators from Workers Comp by statute, meaning that those companies who contract with owner/operators in Florida do not incur liability under the Florida Workers Comp Act.

More Florida Employer Requirements Information

Disputes over Workers Compensation insurance premiums would be under the jurisdiction of:

Department of Financial Services 
200 E. Gaines Street 
Tallahassee, FL 32399 

But Workers Compensation claims matters are the jurisdiction of:

Division of Workers' Compensation 
2012 Capitol Circle 
SE Hartman Building 
Tallahassee, Florida 32399-0680 


An NCCI state. One important and unique rule in Georgia, however, is that the reallocation of payroll among classifications on a policy is considered to be a change in classification, and thus subject to the limitations placed on insurance companies regarding changes of classification.

In Georgia, an employer must obtain valid Workers Compensation coverage once the business has three or more full or part time employees.

More Georgia Information

Workers Compensation insurance premium matters are the jurisdiction of:

Insurance Commissioner 
2 Martin Luther King Jr. Drive SE 
716 West Tower 
Atlanta, GA 30334 

While Workers Compensation claims are the jurisdiction of:

Georgia State Board of Workers' Compensation 
270 Peachtree Street, NW 
Atlanta, Georgia 30303-1299 


An NCCI state. Until a few years ago, Hawaii operated its own independent rating bureau.

In Hawaii:

Any employer, other than those excluded below, having one or more employees, full-time or part-time, permanent or temporary, is required to provide WC coverage for the employees.

Excluded employment includes voluntary or unpaid workers for a religious, charitable, educational or nonprofit organization; student workers performing services for a school, university or college club in return for room, board or tuition; duly ordained, commissioned or licensed minister, priest or rabbi; domestic workers earning less than $225 (cash) per calendar quarter; domestic workers of public welfare recipients; certain twenty-five percent stockholders; all fifty percent stockholders; and real estate salespersons and brokers paid solely on a commission basis. An employer may, however, elect to cover the excluded employees.

More Hawaii Information

Insurance is regulated by 

Insurance Division 
Dept. of Commerce & community Affairs 

P.O. Box 3614 
Honolulu, HI 96811 

While Workers Comp claims are the jurisdiction of:

Department of Labor & Industrial Relations (DLIR) 


An NCCI state. In Idaho, most employers are required to have valid Workers Compensation coverage, as follows:
employers with one or more full-time, part-time, seasonal, or occasional employees are required to maintain a Workers Compensation policy unless specifically exempt from the law.

More Idaho information, including who is exempt, is here.

Insurance premiums are regulated by

Department of Insurance 
P.O. Box 83720
Boise, ID 83720-0041 

Idaho also maintains a competitive state fund for Workers Compensation, which means this state agency essentially competes with private insurance companies.

State Insurance Fund 
1215 West State Street 
Post Office Box 83720 
Boise, Idaho 83720-0044 

Workers Compensation claims are the jurisdiction of:
The Idaho Industrial Commission.


Illinois is an NCCI state, with some important and unique regulations lacking in other states. See our separate section, Workers' Compensation in Illinois, for details. 

Insurance, including Workers' Compensation, is regulated by 

Department of Insurance 
320 W. Washington 
Springfield, IL 62767 

Workers Compensation claims in Illinois are the jurisdiction of:
The Illinois Workers Compensation Commission

More details about Illinois' Workers Compensation rules can be found here


Many people in the insurance business believe that Indiana is an NCCI state. This is not true.
Indiana maintains its own independent rating bureau, the Indiana Compensation Rating Bureau. This bureau uses NCCI for ratemaking, and uses the NCCI Basic Manual, but does not always follow NCCI classification interpretations. For some classification codes, the Indiana rules can be significantly different than NCCI guidelines. Furthermore, the state exceptions for Indiana listed in the Scopes Manual are not complete. For classification decisions in Indiana, it's best to talk directly to the ICRB. You can email questions to Jeff Hiland at

Indiana, like Florida, excludes trucking industry owner/operators from the Workers Comp Act, meaning that companies that contract with such independent owner/operators do not incur WC liability under the Indiana Workers Comp. Act.

5920 Castleway West Drive 
Indianapolis, IN 46250 
P.O. Box 50400 
tel 317-842-2800 
fax 317-842-3717

Indiana also allows independent contractors in the construction trades, and Owner/Operator truckers, to file a Certificate of Exemption with the Indiana Department of Revenue. This certificate of exemption qualifies the independent contractor to not carry Workers' Compensation insurance, and establishes that companies that use such independent contractors are also not liable for Workers' Compensation liabilities or premium charges for those exempt independent contractors or owner/operators. 

Insurance, including Workers' Compensation insurance, is regulated overall by 

Indiana Department of Insurance
311 W. Washington, Ste. 300 
Indianapolis, IN 46204 

However, according to published accounts, Indiana's Insurance Department is kept deliberately powerless to actually do anything about insurance problems and complaints, so the above link is provided with a very large grain of salt.

In Indiana, Workers Compensation claims are the jurisdiction of:
The Workers Compensation Board of Indiana


An NCCI state. Most employers in Iowa are required to have Workers Compensation coverage, although proprietors (independent contractors), limited liability company members and partners are not considered employees, according to Iowa government information here.

Insurance premiums are the jurisdiction of:

Iowa Insurance Division
601 Locust Street, 4th Floor
Des Moines, IA 50309-3738 

Workers Compensation claims are the jurisdiction of:

Iowa Division of Workers' Compensation 

1000 East Grand Avenue 
Des Moines, Iowa 50319-0209 
800-JOB-IOWA (562-4692) 
tel 515-281-5387 
fax 515-281-6501


An NCCI state. In Kansas, valid Workers Comp coverage is required of all Kansas employers except for those in certain agricultural pursuits or those with a gross annual payroll of $20,000 or less.
All payroll is taken into account, including that paid in Kansas or elsewhere. If the employer is a sole proprietor or a partnership, the wages paid to the owners and any of their family members are not used in the computation of the gross annual payroll.
Per K.A.R. 51-11-6, the provision in K.S.A. 44-505 excluding the payroll of workers who are members of the employer’s family shall not apply to corporate employers. A corporate employer’s payroll for purposes of determining whether the employer is subject to the workers’ compensation act shall be determined by the total amount of payroll paid to all corporate employees even when a corporate employee has opted out of WC coverage.

Workers Compensation insurance premiums are the jurisdiction of:
Kansas Insurance Department 
420 SW Ninth Street 
Topeka, KS 66612 

Workers Compensation claims are the jurisdiction of:

Kansas Dept. of Labor--Workers' Compensation 

800 SW Jackson, Suite 600 
Topeka, Kansas 66612-1227 


An NCCI state. With few exceptions, all Kentucky employers are subject to the Workers’ Compensation Act and are required to carry workers’ compensation insurance or become self-insured, even if they have only one part-time employee. There is an exemption for employers engaged exclusively in agriculture. More Kentucky information here.

Workers Comp insurance premiums are the jurisdiction of:

Department of Insurance 
215 W. Main Street 
Frankfort, KY 40602 

Workers Compensation claims are the jurisdiction of:

Department of Workers' Compensation Claims
1047 U.S. 127 South, Suite 4 
Frankfort, Kentucky 40601 
502-564-3070 ext 391


An NCCI state. Most employees in Louisiana are covered from the day they start employment. Employees may be fulltime, part-time, seasonal, or minors.

Subcontractors and certain independent contractors may be considered employees if they are involved in the pursuit of the employer’s trade, business or occupation or if they are performing substantial manual labor.

The law does contain some limited exemptions. Domestic employees, most real estate salespersons, uncompensated officers and directors of certain non-profit organizations, and public officials are specifically exempted.

Most volunteer workers would not be entitled to benefits. Employers are required to have workers’ compensation insurance or to be approved to self-insure.
More Louisiana information here.

Workers Comp insurance premiums are the jurisdiction of:

Department of Insurance 
1702 N. 3rd St. 
Baton Rouge, LA 70802

Workers Comp claims are the jurisdiction of:

Office of Workers' Compensation Administration 

Post Office Box 94040 
Baton Rouge, Louisiana 70804-9040 


An NCCI state.The law requires almost all public and private employers to have workers’ compensation coverage. The law defines employers as “private employers, the State, counties, cities, towns, water districts, other quasi-public corporations, municipal school committees, and design professionals.”

More Maine information here.

Workers Compensation insurance premiums are the jurisdiction of:

Bureau of Insurance 
Consumer Services Division 
34 State House Station 
Augusta, ME 04333-0034 

Workers Compensation claims are the jurisdiction of:

Workers Compensation Board


An NCCI state--with some differences.  In addition to allowing private insurance companies to write Workers' Compensation insurance (and these insurance companies follow NCCI rules) Maryland also has Chesapeake Employers Insurance (formerly IWIF)  the Injured Workers Insurance Fund, which is the successor to the Maryland State Fund. 

Chesapeake competes with private insurers, and Chesapeake also is the assigned risk plan for Maryland.  And although a recent government study recommended that Chesapeake become a member of NCCI, Chesapeake is not yet a member of NCCI. Historically, IWIF said that it used the NCCI classification system, but in actual practice IWIF could creatively interpret the assignment of classifications in ways different than NCCI itself would. 

Since Chesapeake is still not a member of the NCCI, NCCI cannot impose its own judgement about proper classification upon Chesapeake.  Chesapeake also does not report loss and payroll data to NCCI for use in computing experience modifica``tion factors.

Workers Compensation insurance premiums are the jurisdiction of:

Insurance Administration 
200  St. Paul Place, Suite 2700
Baltimore, MD 21202


Massachusetts maintains its own independent rating bureau -- the Workers Compensation Rating and Inspection Bureau. So instead of following NCCI manual rules, Workers Comp insurance in Massachusetts computes premium charges and follows classification rules created by WCRIB. This also means that experience modification factors for Massachusetts employers are calculated by WCIRB and not NCCI. Although if a company operates in both Massachusetts and in states that use NCCI, then a combined experience mod will be calculated by NCCI.

In Massachusetts, All employers are required to carry workers’ compensation insurance covering their employees, including themselves if they are an employee of their company. This requirement applies regardless of the number of hours worked in any given week, except that domestic service employees must work a minimum of 16 hours per week in order to require coverage. Employers are required to notify their employees of the name of the all employers with workers who are not exempt are required to obtain valid Workers Comp coverage. More information is here.

Workers Comp insurance is regulated by:

Division of Insurance 

Consumer Affairs 
One South Station, 5th Floor 
Boston, MA 02110-2208 
Workers Comp claims are the jurisdiction of:


Nearly all employers in Michigan are subject to the Workers' Disability Compensation Act. The law requires that every covered employer must provide some way of assuring that benefits are paid to its workers if they become injured while on the jobl Most employers do this by purchasing an insurance policy from a private insurance company. However, some employers are granted self-insured status, and others join a group fund. The Michigan Economic Development Corporation (MEDC) website offers information on Workers Comp insurance coverage.

 In Michigan, valid WC coverage is required of:
(a) all private employers regularly employing I or more employees 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
(b) All private employers regularly employing 3 or more employees at one time. (This includes part-time employees.)
(c) Agricultural employers if they employ 3 or more employees 35 hours or more per week for 13 or more consecutive weeks.
(d) Householders employing domestic servants if they employ anyone 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
(e) All public employers.

Michigan is not an NCCI state, but maintains its own separate independent rating organization -- the Compensation Advisory Organization of Michigan, or CAOM -- with an important caveat: in Michigan, there is no regulation of classification codes for voluntary (non-assigned risk) Workers Comp.

CAOM also administers the Michigan Workers Compensation Placement Authority, which is that state's Assigned Risk plan. Michigan also calculates its own separate experience modifier for Michigan exposure, and this mod is not combinable with other states in an interstate mod. So an employer operating in both Michigan and in NCCI states will have two separate experience modifiers--one just for Michigan, and another for NCCI states.

P.O. Box 3337 
Livonia, MI 48151-3337 
Information about treatment of independent contractors and subcontractors under Michigan Workers Comp can be found here.

Insurance is regulated by
Office of Financial and Insurance Services (OFIS) 
P.O. Box 30220 
Lansing, MI 48909-7220 

Workers Comp claims are the jurisdiction of:
The Workers Compensation Agency


Minnesota operates its own rating bureau, the Minnesota Workers Compensation Insurance Association (tel 612-897-1737) and like Michigan, does not regulate what classification codes insurers use on voluntary market WC business. Unlike Michigan, however, loss and payroll data is reported to NCCI for inclusion in interstate mods. 

Workers Compensation is overseen by:
The Minnesota Dept. of Labor & Industry

Minnesota generally requires all employers who have workers to get valid coverage (with a few exceptions.) Details can be found

Minnesota has been addressing the issue of independent contractors with specific legislation in recent years, and information on this can be found here.

Other insurance is regulated by:
Dept. of Commerce, Insurance Division 
857 Place East Suite 500 
St. Paul, MN 55101 


Another NCCI state. In Mississippi, all employers with five (5) employees regularly employed are required to provide workers' compensation insurance coverage.

If the employer has less than five (5) employees, workers' compensation coverage is not mandatory but may be provided voluntarily by the employer. Domestic and farm labor, and employees of non-profit fraternal, charitable, religious or cultural organizations are not covered under the Law unless coverage is provided voluntarily by the employer.

The Workers' Compensation Law likewise does not apply to federal employees or certain transportation and maritime employments covered by federal compensation laws. Finally, independent contractors are ordinarily excluded from coverage although special protection is given to employees of subcontractors.
Workers Comp Insurance premium is the jurisdiction of:

Insurance Department 
1001 Woolfolk State Office Building
501 North West Street
Jackson, MS 39201 

While Workers Comp claims are the jurisdiction of :
The Mississippi Workers Compensation Commission


Another NCCI state. In the state of Missouri you are required to carry workers’ compensation insurance if you have five or more employees, unless you are in the construction industry, then you must carry workers’ compensation insurance if you have one or more employees.

Employers that don’t have the required number of employees or who have employees in the exempt categories may “elect” to come under the law and carry workers’ compensation insurance. Exempt employers that decide 
not to purchase workers compensation insurance or to self-insure remain exposed to civil lawsuits brought by employees who are injured during work.

Sole proprietors and partners are not themselves covered unless they elect to be covered; close family member-employees and members of a limited liability company are presumed to be covered unless they opt out.

Other exceptions include: farm labor, domestic servants in a private home, occasional labor performed for or related to a private household, qualified real estate agents, direct sellers, volunteers of a tax exempt organization where such volunteers are not paid wages and adjudicators, sports officials or contest workers for interscholastic activity programs or amateur youth programs who are not employed by the sponsor of the event.

Workers Comp insurance premiums are the jurisdiction of:
Division of Insurance, Dept. of Consumer Affairs 
301 W. High Street 
Jefferson City, MO 65102 

Workers Comp claims are the jurisdiction of:
Division of Workers Compensation, Dept. of Labor


An NCCI state. The Montana workers’ compensation law applies to all employers that have five or more employees. Construction industry employers who erect, demolish, alter or repair improvements are subject to the law if they employ one or more employees.
Partners and sole proprietors may individually elect to obtain coverage. The law does exempt a very small and very specific group of employees, which includes farm laborers, domestic servants, certain real estate agents and direct sellers and commercial motor-carrier owner-operators.

Before employers hire someone who is not an employee (an independent

 contractor, or IC), make sure the IC has an IC Exemption Certificate issued by

 the Montana Department of Labor and Industry or proof of workers’

 compensation insurance. It is the employer's responsibility to determine that

 the IC has this documentation. Without it, policyholders may be held

 responsible for claims on injuries or occupational diseases, and for payment of

 premium on their wages.

Workers Comp insurance premiums are the jurisdiction of:

State Auditor’s Office, Division of Insurance 
840 Helena Ave. 
Helena, MT 59601-4009 

Workers Comp claims are the jurisdiction of:
Montana Dept. of Labor & Industry


Nebraska is another NCCI state, which means Workers' Compensation insurance premiums are computed in accordance with NCCI manuals and rules. Nebraska does not maintain its own state fund, and the Assigned Risk Plan there has become a bit of a political football in recent years, with the operation of this Pool changing from one run by NCCI to one run by Employers of Wausau exclusively (in partnership with AON) and then, just in the past year, to a new plan administered exclusively by Travelers Insurance. Nebraska is currently seeking to restore some additional insurers to their Assigned Risk Plan, but has not succeeded at the moment. Insurance is regulated by 

Department of Insurance 
941 O Street, Suite 400 
Lincoln, NE 68508 


Nevada has just recently changed (mid-1999) from a state monopoly WC fund to a system of competitive private insurance, and is now an NCCI state. Insurance is regulated by 

Division of Insurance
1818 E. College Parkway, Suite 103
Carson City, NV 89706

The former Nevada monopoly State Fund has been reconstituted as a competitive mutual insurance company. 

New Hampshire

An NCCI state. 

Insurance Department 
21 South Fruit St. Suite 14 
Concord, NH 03301-7717 

New Jersey

New Jersey also maintains its own non-NCCI rating bureau, the New Jersey Compensation Rating & Inspection Bureau. This bureau has responsibility for creating manuals and rules of classifications and experience rating for New Jersey Workers Compensation insurance. The Department of Insurance doesn't really exercise much oversight of Workers Compensation insurance, unlike most states.
The agency that does handle most Workers Compensation insurance premium issues is the aforementioned New Jersey Compensation Rating & Inspection Bureau, also known as NJCRIB.

New Jersey Compensation Rating & Inspection Bureau
60 Park Place
Newark, NJ 07102


New Mexico

An NCCI state. 

Insurance Division 
New Mexico Public Regulation Commission 
PERA Building 
P.O. Box 1269 
Santa Fe, NM 87504-1269 
tel 505-827-4601 
fax 505-827-4734

New York

New York uses its own non-NCCI, independent rating bureau for Workers' Compensation insurance, the New York Compensation Insurance Rating Board, which develops its own manuals and rules regarding classification and experience modifiers. Because of this, employers in New York actually lack certain important regulatory protections concerning Workers' Compensation insurance premiums that employers in many other states enjoy under NCCI manual rules or specific state regulations. 

One unique aspect of New York Workers Compensation is that employers are required to obtain a separate coverage for workers' disability from non-work related exposures, to protect workers from loss of income due to such a disability, just as the regular Workers Compensation coverage protects those workers from work-related disability.

Insurance is regulated by 

New York State Insurance Dept. 
One State Street Plaza
New York, NY 10004
800-342-3736  or 212-480-6400

North Carolina

North Carolina maintains its own independent rating bureau, the North Carolina Rate Bureau (tel 919-783-9790) but follows the NCCI model fairly closely. The manual for North Carolina WC is published by NCCI. North Carolina promulgates its own in-state experience mods, but also reports data to NCCI for use in interstate mods. Insurance is regulated by the North Carolina Department of Insurance.  The contact information for their Consumer Services Division is:

Department of Insurance 
1201 Mail Service Center 
Raleigh, NC 27699-1201 

The assigned risk plan for North Carolina is administered by their rating bureau, the NCRB

2910 Sumner Boulevard
Raleigh, NC 27616

You can also contact the Information Center directly for support:

Phone: (919) 582-1056



North Dakota

North Dakota maintains a monopoly state fund for Workers' Comp, meaning that private insurance is not allowed. This fund is administered by 

North Dakota Workers Compensation Bureau 
500 E. Front Ave. 
Bismarck, ND 58504-5685 

Insurance (but not Workers' Comp) is regulated by 

Insurance Department 
600 E. Boulevard, Dept. 401 
Bismarck, ND 58505-0320 


Ohio does not permit private insurance for Workers' Compensation. Instead, it maintains a monopolistic state fund. However, this state fund has just recently shifted to using the NCCI classification system for workplace exposures. The Ohio Workers' Comp system is administered by 

Bureau of Workers Compensation 
30 W. Spring Street 
Columbus, OH 43215 


An NCCI state. Insurance is regulated by 

Insurance Department 
P.O. Box 53408 
Oklahoma City, OK 73152-3408 

Oklahoma has historically had a competitive state fund, but that is in process of being convereted into a mutual insurance company.


An NCCI state. 

Dept. of Consumer & Business Services 
Insurance Division 
350 Winter Street NE, Room 440 
Salem, OR 97301-3883 


Pennsylvania shares with Delaware a unique non-NCCI classification system. Rules for classification, premium computation, and experience rating are the responsibility of the Pennsylvania Compensation Rating Bureau, a non-government agency licensed and regulated by the PA Insurance Department. Premium portion of overtime pay is not excluded from computation of Workers' Compensation premium. Insurance is regulated by 

Insurance Department 
1326 Strawberry Square 
Harrisburg, PA 17120 

More details about Pennsylvania and their Workers Compensation system can be found here.

Rhode Island

An NCCI state.  Workers Compensation insurance is provided by private insurance companies, with a peculiar twist.  The former Rhode island state fund was morphed into a mutual insurance company, Beacon Mutual.  That insurer now dominates Workers Compensation insurance in the state, by means of tactics that have been decried as unfair, and Beacon has been involved in high profile scandals in recent years involving political corruption, crony underwriting, and unfair competition.  Be that as it may, Beacon remains the dominant Workers Comp insurer in the state.
All employers with one or more workers in the state must obtain Workers Compensation coverage.  Independent contractors are not eligible to claim benefits from those who retain their services, but must file a form with the Department of Business Regulation certify their independent status.

Workers Compensation insurance rates and premiums are regulated by:

Rhode Island Department of Business Regulation

1511 Pontiac Avenue 
Cranston, RI 02920   

Website:             Phone:     401-462-9500

South Carolina

An NCCI state. 

Department of Insurance 
P.O. Box 100105
Columbia, SC 29202

South Dakota

An NCCI state. 

Division of Insurance 
Department of Commerce 
445 E. Capitol 
Pierre, SD 57501 


An NCCI state. 

Department of Insurance 
500 James Robertson Parkway 
Nashville, TN 37243 


Texas has become an NCCI state in 2014, adodting NCCI manual rules and shifting over to the new NCCI experience rating formula to develop experience modification factors in 2015. This shift in experience modification factor calculations will be significant for many Texas employers, as we detailed in our blog post on the subject.

In the wake of a disastrous collapse of their old Workers' Comp system more than aa decade ago, Texas instituted a number of significant reforms to their system and made it one of the more iconoclastic WC systems in the US. 

Among other unusual features, Texas allows employers to "go bare"--that is, to have no Workers' Compensation insurance or self-insurance. Texas also allows employers to negotiate lower experience modification factors with their insurers (if the insurers are willing to accommodate them). Texas was not historically been an NCCI state, but that has changed in mid-2014.  Texas has now adopted NCCI manuals and rules regarding classifications, premium computation, and experience rating.

Department of Insurance 
333 Guadalupe 
Austin, TX 78701 


This website covers all insurance, not just Workers' Comp. Click on the Workers' Compensation link at the bottom of the page to get to specific Texas Workers' Comp information. 


An NCCI State. 

Utah Insurance Department 
State Office Building, Room 3110 
Salt Lake City, UT 88114-6901

Utah also maintains a competitive State Fund for Workers' Comp, which has recently been authorized to sell WC insurance in other states as well by the Utah legislature, through a subsidiary insurance company. 


An NCCI state. 

Department of Banking & Insurance 
89 Main Street, Drawer 20 
Montpelier, VT 05620-3101 


An NCCI state. 

Bureau of Insurance 
Property and Casualty 
P.O. Box 1157 
Richmond, VA 23218 


Washington maintains a monopoly state fund for WC, not allowing private insurance for this exposure. Phone : 809-692-9390. Other insurance is regulated by 

Office of Insurance Commissioner 
Attn: Consumer Advocacy 
P.O. Box 40256 
Olympia, WA 98504-0256 

West Virginia

West Virginia has historically maintained a monopoly state fund for Workers' Comp (tel 800-628-4265). But this changed in 2005, when West Virginia adopted NCCI manuals regarding classifications, premium computation, and experience rating. Private insurers now compete with the former state fund that has been morphed into a mutual insurer.

Insurance Commissioner 
State of West Virginia 
P.O. Box 50540 
Charleston, WV 25305 


Wisconsin maintains its own non-NCCI rating bureau for determining classifications, premium computation, and experience rating. In state experience modifiers are calculated by this independent bureau, but data is also provided to NCCI for interstate mods. 

Insurance is regulated by 

Office of Commissioner of Insurance 
P.O. Box 7873 
Madison, WI 53707-7873 


Wyoming maintains a monopoly state fund for Workers Compensation and does not allow private insurance of this exposure. Workers' Compensation is administered by 

Wyoming Workers Safety and Compensation Division 
1510 E. Persing Blvd. 
Cheyenne, WY 82002 



Advanced Insurance Management, Insurance Services, Riverside, IL

Advanced Insurance Management LLC

3230 South Harlem Avenue, Suite 203

contact us:  phone: 800-288-9256