SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/biz-workers-comp-required

In most states, which insurance must an employer carry for work-related employee injuries?

Workers' compensation insurance.

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  1. Cyber insurance
  2. Professional liability insurance
  3. Workers' compensation insurance ✔

Why: Most states require employers to carry workers' compensation insurance, but employee-count thresholds and exemptions vary. Check the state workers' compensation agency for the rules that apply to your business.

Huh, didn't know that: Injured workers at private companies file with their state workers' compensation board, not a federal office.

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References

Answer: Workers' compensation insurance. Most states require employers to carry workers' compensation insurance, but employee-count thresholds and exemptions vary. Check the state workers' compensation agency for the rules that apply to your business.

  1. SBA: Get business insurance www.sba.gov/business-guide/launch-your-business/get-business-insurance
    The federal government requires every business with employees to have the following:
    Checked 2026-10-11.
  2. USAGov: Workers’ compensation www.usa.gov/workers-compensation
    State programs handle claims for employees of private organizations and state and local governments.
    Checked 2026-10-11.

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