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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.
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, which means that Workers' Compensation insurance premiums in the state are calculated in accordance with manual rules of classification, premium development, and experience rating developed by the National Council on Compensation Insurance. Employers must either purchase private insurance or be authorized to self-insure (realistic only for larger employers). Insurance is regulated by
Department of Insurance
201 Monroe Street, Ste. 1700
Montgomery, AL 36130
334-269-3550
http://www.aldoi.gov
Sole Proprietors and partners are not required to cover themselves, but can elect to be covered. Corporate officers are covered but may elect to be exempted from coverage (and thus premium).
Independent Contractors with fewer than 5 employees who work on construction of single-family dwellings can file for an exemption from WC coverage and this holds harmless those contracting with such independent contractors.
The premium portion of overtime pay can be deducted from computation of Workers' Compensation premiums, in accordance with NCCI rules.
An NCCI state, which means that Workers' Compensation insurance premiums in the state are calculated in accordance with manual rules of classification, premium development, and experience rating developed by the National Council on Compensation Insurance. Employers must either purchase private insurance or be authorized to self-insure (realistic only for larger employers). Insurance is regulated by
Division of Workers' Compensation
Post Office Box 25512
Juneau, Alaska 99802-5512
907-465-2790
http://www.labor.state.ak.us/wc/wc.htm
Sole Proprietors and partners are not required to cover themselves, but can elect to be covered. Corporate officers are covered but may elect to be exempted from coverage (and thus premium).
Employers are liable for and must insure independent contractors and subcontractors unless those contractors have their own WC insurance.
The premium portion of overtime pay can be deducted from computation of Workers' Compensation premiums, in accordance with NCCI rules.
An NCCI state, which means that Workers' Compensation insurance premiums in the state are calculated in accordance with manual rules of classification, premium development, and experience rating developed by the National Council on Compensation Insurance. Employers must either purchase private insurance or use the state WC fund or be authorized to self-insure (realistic only for larger employers). Insurance is regulated by
State Insurance Dept.
Consumer Complaint Department
2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018
602-912-8444
http://www.state.az.us/id
In addition to private insurance, Arizona maintains a state-administered Workers' Compensation fund which competes with private insurers. In fact, the Arizona WC Fund is the largest provider of Workers' Compensation insurance in Arizona.
Sole Proprietors and partners are not required to cover themselves, but can elect to be covered. Corporate officers are covered but may elect to be exempted from coverage (and thus premium).
Contractors and subcontractors who perform work separate from clients' normal work and who are not supervised by client during execution of that work are considered independent contractors, not employees for purposes of Workers' Compensation.
The premium portion of overtime pay can be deducted from computation of Workers' Compensation premiums, in accordance with NCCI rules.
An NCCI state, which means that Workers' Compensation insurance premiums in the state are calculated in accordance with manual rules of classification, premium development, and experience rating developed by the National Council on Compensation Insurance. Employers must either purchase private insurance or be authorized to self-insure (realistic only for larger employers). Insurance is regulated by
Arkansas Insurance Department
1200 W. Third Street
Little Rock, AR 77201
501-371-2600
800-282-9134
http://www.state.ar.us/insurance
Workers' Compensation is regulated by
Workers' Compensation Commission
Post Office Box 950
Little Rock, Arkansas 72203-0950
800-622-4472
http://www.awcc.state.ar.us
The largest single market for Workers' Compensation, this state operates by its own rules, not those of the NCCI. The rules and regulations pertaining to Workers' Compensation classifications, premium development, and experience rating are created by
Workers' Compensation Insurance Rating Bureau of California
525 Market Street, Ste. 800
San Francisco, CA 94105-2716
415-777-0777
Insurance (including Workers' Compensation insurance) is regulated by
Department of Insurance
Consumer Communications Bureau
300 South Spring Street, South Tower
Los Angeles, CA 90013
213-897-8921
800-927-4357
The Division of Workers' Compensation address is
Post Office Box 420603
San Francisco, California 94142
415-703-4600
http://www.dir.ca.gov/DWC/dwc_home_page.htm
Employers in California can choose between private insurers or the state-administered WC Fund. They can also elect to self-insure, if they meet the requirements imposed by California. Again, this is typically feasible only for larger employers.
Sole Proprietors and general partners are not required to cover themselves, but can elect to be covered. Working partners of a partnership are covered. Officers and directors of a corporation who are also the sole shareholders of a corporation are not covered but may elect coverage. Officers and directors who are not the sole shareholders of the corporation are covered, and are included in premium computation.
Contractors and subcontractors who are not supervised by client during execution of that work are considered independent contractors and not employees for purposes of Workers' Compensation.
An NCCI state, Colorado also maintained a state WC fund which evolved into a nonprofit insurance company specializing in writing Colorado Workers' Compensation. This entity competes with other private, for profit insurance companies.
Insurance (including Workers' Compensation) is regulated by
Division of Insurance
Department of Regulatory Agencies
1560 Broadway, Ste. 850
Denver, Co 80202
303-894-7499
http://www.dora.state.co.us/insurance
Department of Workers' Compensation
1515 Arapahoe Street
Tower 2, Suite 500
Denver, Colorado 80202-2117
888-390-7936
http://www.coworkforce.com/DWC
Sole Proprietors and partners are not required to cover themselves, but can elect to be covered. Corporate officers are covered but those who own at least 10% of the corporations stock may elect to be exempted from coverage (and thus premium).
Independent contractors and subcontractors are considered employees of their clients unless they meet certain very specific criteria for independence and both parties sign a notarized document which spells out how these criteria are met.
An NCCI state.
Insurance Department
P.O. Box 816
Hartford, CT 06142-0816
860-297-3800
800-203-3447
http://www.state.ct.us/cid
Workers' Compensation Commission
Capitol Place
21 Oak Street, Fourth Floor
Hartford, Connecticut 06106
tel 860-493-1500
fax 860-247-1361
http://wcc.state.ct.us
Delaware and Pennsylvania share a unique non-NCCI classification system which does not match up one for one with the NCCI classification system. Additionally, 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
302-739-4251
http://www.delawareworks.com/industrialaffairs/services/Workerscomp
The 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
http://www.delawareworks.com/divisions/industaffairs/workers.comp.htm
D.C. Dept. of Insurance & Security Regulation
810 First Street, NE, Suite 701
Washington, DC 20002
202-727-8000
http://www.disr.washingtondc.gov/main.htm
Office of Workers' Compensation
1200 Upshur Street, NW
Post Office Box 56098
Washington, District of Columbia 20011
http://www.disb.cd.gov
An NCCI state.
Department of Financial Services
200 E. Gaines Street
Tallahassee, FL 32399
800-342-2762
http://www.fldfs.com
Division of Workers' Compensation
2012 Capitol Circle
SE Hartman Building
Tallahassee, Florida 32399-0680
850-921-6966
An NCCI state.
Insurance Commissioner
2 Martin Luther King Jr. Drive SE
716 West Tower
Atlanta, GA 30334
404-656-2070
800-656-2298
http://www.inscomm.state.ga.us
Georgia State Board of Workers' Compensation
270 Peachtree Street, NW
Atlanta, Georgia 30303-1299
800-533-0682
http://www.ganet.org/sbwc
An NCCI state. Until a few years ago, Hawaii operated its own independent rating bureau. Insurance is regulated by
Insurance Division
Dept. of Commerce & community Affairs
P.O. Box 3614
Honolulu, HI 96811
808-586-2790
http://www.state.hi.us/dcca/ins
Department of Labor & Industrial Relations (DLIR)
http://dlir.state.hi.us
An NCCI state. Insurance is regulated by
Department of Insurance
P.O. Box 83720
Boisese, ID 83720-0041
208-334-4250
http://www.doi.state.id.us
Idaho also maintains a
State Insurance Fund
1215 West State Street
Post Office Box 83720
Boisese, Idaho 83720-0044
800-334-2370
http://www.state.id.us/isif/index.htm
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
217-782-4515
http://www.state.il.us/ins/default.htm
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 jhiland@icrb.net.
ICRB
5920 Castleway West Drive
Indianapolis, IN 46250
P.O. Box 50400
800-622-4208
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
Insurance Department
311 W. Washington, Ste. 300
Indianapolis, IN 46204
317-232-2385
http://www.state.in.us/idoi
However, according to a Wall Street Journal article, 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.
An NCCI state.
Insurance Department
330 Maple Street
Des Moines, IA 50319
515-281-5705
888-955-1212
http://www.iid.state.ia.us
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
iwd.dwc@iwd.state.ia.us
http://www.state.ia.us/iwd/wc/index.html
An NCCI state.
Insurance Department
420 SW Ninth Street
Topeka, KS 66612
785-296-3071
http://www..dol.ks.cov/wc/html/wc_all.html
Kansas Workers' Compensation
800 SW Jackson, Suite 600
Topeka, Kansas 66612-1227
800-332-0353
http://www.hr.state.ks.us/wc/html/wc.htm
An NCCI state.
Department of Insurance
215 W. Main Street
Frankfort, KY 40602
502-564-3630
800-595-6053
http://www.doi.state.ky.us
Division of Workers' Compensation Funds
1047 U.S. 127 South, Suite 4
Frankfort, Kentucky 40601
502-564-3070 ext 391
An NCCI state.
Department of Insurance
1702 N. 3rd St.
Baton Rouge, LA 70802
225-342-5900
800-259-5300
http://wwwldi.ldi.state.la.us
Office of Workers' Compensation Administration
Post Office Box 94040
Baton Rouge, Louisiana 70804-9040
http://www.ldol.state.la.us/bus_owca.asp
An NCCI state.
Bureau of Insurance
Consumer Services Division
34 State House Station
Augusta, ME 04333-0034
207-624-8475
800-300-5000
http://www.state.me.us/pfr/ins/inshome2.htm
An NCCI state.
Insurance Administration
525 St. Paul Place
Baltimore, MD 21202-2272
410-468-2000
800-492-6116
http://www.mdinsurance.state.md.us
Massachusetts maintains its own independent rating bureau -- the Workers Compensation Rating and Inspection Bureau (tel 617-439-9030).
Insurance is regulated by
Division of Insurance
Consumer Affairs
One South Station, 5th Floor
Boston, MA 02110-2208
617-521-7794
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.
CAOM
P.O. Box 3337
Livonia, MI 48151-3337
734-462-9600.
http://www.caom.com
There is also a very informative website about Michigan's somewhat unique Workers' Comp insurance system, maintained by the Michigan Economic Development Corporation at
http://medc.michigan.org/services/Workerscomp.
Non-WC Insurance is regulated by
Office of Financial and Insurance Services (OFIS)
P.O. Box 30220
Lansing, MI 48909-7220
517-373-0220
877-999-6442
http://www.cis.state.mi.us/ofis
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.
Insurance is regulated by
Dept. of Commerce, Insurance Division
857 Place East Suite 500
St. Paul, MN 55101
651-296-4026
http://www.commerce.state.mn.us
An NCCI state.
Insurance Department
550 High Street, Suite 1804
Jackson, MS 39201
601-359-3569
800-652-2957
http://www.doi.state.ms.us
An NCCI state.
Division of Insurance, Dept. of Consumer Affairs
301 W. High Street
Jefferson City, MO 65102
573-751-4126
http://www.insurance.state.mo.us
An NCCI state.
State Auditor’s Office, Division of Insurance
804 Helena Ave.
Helena, MT 59601-4009
406-444-2040
800-332-6148
http://www.state.mt.us/sao/insdiv.htm
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
402-471-2201
http://www.nol.org/home/NDOI
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
Insurance Division, Dept. of Commerce
788 Fairview Drive, Suite 300
Carson City, NV 89710-5491
775-687-4270
http://doi.state.nv.us
The former Nevada monopoly State Fund has been reconstituted as a competitive mutual insurance company.
An NCCI state.
Insurance Department
21 South Fruit St. Suite 14
Concord, NH 03301-7717
603-271-2261
800-852-3416
http://webster.state.nh.us/insurance
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 employers. Insurance is regulated by
Department of Insurance
20 W. State Street
Trenton, NJ 08625
609-292-5360
http://www.njcob.org
An NCCI state.
Insurance Division
New Mexico Public Regulation Commission
PERA Building
1120 Paseo de Peralta
P.O. Box 1269
Santa Fe, NM 87504-1269
tel 505-827-4601
fax 505-827-4734
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.
Insurance is regulated by
New York State Insurance Dept.
Rockefeller Empire State Plaza
Agency Building One
Albany, NY 12257
518-474-6600
http://www.ins.state.ny.us/nyins.htm
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
Department of Insurance
1201 Mailservice center
Raleigh, NC 27699-1201
919-733-2032
http://www.doi.state.nc.us/ncdoi
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
701-328-3800
Insurance (but not Workers' Comp) is regulated by
Insurance Department
600 E. Boulevard, Dept. 401
Bismarck, ND 58505-0320
701-328-2440
http://www.state.nd.us/ndins
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
614-466-4781
800-644-6292
http://www.ohiobwc.com
An NCCI state. Insurance is regulated by
Insurance Department
P.O. Box 53408
Oklahoma City, OK 73152-3408
405-521-2828
An NCCI state.
Dept. of Consumer & Business Services
Insurance Division
350 Winter Street NE, Room 440
Salem, OR 97301-3883
503-947-7980
http://www.cbs.state.or.us/external/ins/index.html
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
1321 Strawberry Square
Harrisburg, PA 17120
717-787-2317
An NCCI state that also runs a competitive state fund for WC. Insurance is regulated by
Insurance Department
233 Richmond Street, Suite 233
Providence, RI 02903
401-277-2223
An NCCI state.
Department of Insurance
1612 Marion Street
Columbia, SC 29201
803-737-6180
http://www.state.sc.us/doi
An NCCI state.
Division of Insurance
Department of Commerce
445 E. Capitol
Pierre, SD 57501
605-773-3563
http://www.state.sd.us/state/executive/dcr/insurance
An NCCI state.
Department of Insurance
500 James Robertson Parkway
Nashville, TN 37243
615-741-2218
800-342-4029
http://www.state.tn.us/commerce/insurdiv.html
In the wake of a disastrous collapse of their old Workers' Comp system a 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 is not an NCCI state, but maintains its own independent rating bureau, run by the Department of Insurance. Regulation is provided by
Department of Insurance
333 Guadalupe
Austin, TX 78701
512-322-3490
http://www.tdi.state.tx.us
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
802-828-3301
http://www.bishca.state.vt.us
An NCCI state.
Bureau of Insurance
Property and Casualty
P.O. Box 1157
Richmond, VA 23218
804-371-9741
800-552-7945
http://www.state.va.us/scc/division/Boise/index.htm
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
800-562-6900
http://www.insurance.wa.gov
West Virginia has historically maintained a monopoly state fund for Workers' Comp (tel 800-628-4265). But this is now being phased out. Starting January 1, 2005, the state fund will become a mutual insurance company. Competition from other private insurers will follow a few years after that. Once the change to mutual insurance company occurs, Workers Comp, like other insurance in West Virginia, will be regulated by
Insurance Commissioner
State of West Virginia
P.O. Box 50540
Charleston, WV 25305
304-558-3864
http://www.wvinsurance.gov
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
608-266-0102
800-236-8517
http://www.state.wi.us/agencies/oci/oci_home.htm
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
307-777-7159
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