Workers' Compensation Systems are Established by Legal Statutes in Each State.


Our workers comp resources help employers find state funds, state insurance divisions, and state insurance laws. We make it easier to navigate work comp insurance.
Got workers comp questions? Give us a call at 888-611-7467, if you need more information about work comp for your business.

State by State Resources for Workers Comp

Why are the Rules Different in Each State?

There are three different types of laws in the U.S. including federal laws, state laws and local laws. Federal laws apply to everyone in the United States, while state and local laws apply to people who live and work in a particular state, county, city or town.

The United States has a long history of maintaining a separation of federal and state legal systems as long as state laws do not restrict the federal rights of U.S. citizens. Each state has its own legal system of laws and courts that determine matters such as:

  • Real estate and personal property
  • Divorce and Family Matters
  • Business agreement and contracts
  • Welfare and public assistance
  • Workers compensation insurance

Our workers compensation resources page is designed to give business owners quick information about each states' workers comp systems as well as provide additional state resources for employers. This page provides links to information on our website as well as links to workers compensation authorities in each of the 50 states.

State Resources & Links

Jump to your state below:
Alabama
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for employers with 5 or more employees
Owner Exclusions Allowed
State Regulation Alabama Department of Insurance
Claims Administration AL Dept. of Industrial Relations
State Laws Alabama Legal Code
Alaska
Rating Authority NCCI
State Fund Fishermans Fund (commercial fishers only)
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employees
Owner Exclusions Allowed
State Regulation Alaska Division of Workers' Compensation
Insurance Disputes Alaska Division of Insurance
State Laws Alaska Legal Directory
Arizona
Rating Authority NCCI
State Fund Arizona Workers Compensation Assigned Risk Plan
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employees
Owner Exclusions Allowed
State Regulation Arizona Department of Insurance
Claims Administration Industrial Commission of Arizona
State Laws Arizona State Legislature
Arkansas
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for employers with 3 or more employees
Owner Exclusions Allowed
State Regulation Arkansas Insurance Department
Claims Administration Arkansas Workers Compensation Commission
State Laws Arkansas Legal Code
California
Rating Authority Workers Compensation Insurance Rating Bureau of California
State Fund State Compensation Insurance Fund (SCIF)
Assigned Risk Coverage California State Fund (SCIF)
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation California Division of Workers Compensation
Claims Administration California Department of Industrial Relations, Division of Workers Compensation
State Laws DWC Laws and Regulations
Colorado
Rating Authority NCCI
State Fund None (Pinnacol Assurance now competes with private insurers
Assigned Risk Coverage Pinnacol Assurance
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Department of Labor and Employment
Claims Administration CO Division of Insurance
State Laws Colorado Insurance Laws
Connecticut
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Delaware
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
District of Columbia
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Florida
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Florida
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Georgia
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Hawaii
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Idaho
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Illinois
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Indiana
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Iowa
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Kansas
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Kentucky
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Louisiana
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Maine
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Maryland
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Massachusetts
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Michigan
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Minnesota
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Mississippi
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Missouri
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Montana
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Nebraska
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Nevada
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
New Hampshire
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
New Jersey
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
New Mexico
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
New York
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
North Carolina
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
North Dakota
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Ohio
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Oklahoma
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Oregon
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Pennsylvania
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Rhode Island
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
South Carolina
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
South Dakota
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Tennessee
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Texas
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Utah
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Vermont
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Virginia
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
Washington
Rating Authority NCCI
State Fund No State Fund
Assigned Risk Coverage NCCI
State Coverage Requirements Mandatory coverage for all private employers
Owner Exclusions Allowed
State Regulation Connecticut Insurance Department
Claims Administration Connecticut Workers' Compensation Commission
State Laws Connecticut Workers Compensation Act
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What Employers Need to Know About Workers Comp Insurance
  • Is workers compensation insurance mandatory in my state?
  • Is there a state insurance fund?
  • Does my state utilize NNCI class codes and ratings?
  • What are the workers comp laws in my state?
  • How do I get Assigned Risk Coverage?
  • Can owners exclude themselves from coverage?
  • What are my state Workers' compensation insurance requirements?
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Federal Employees and Workers Compensation

Employees who work for the federal government do not participate in state workers compensation programs. The Federal Employees' Compensation Act provides workers' compensation coverage to federal employment-related injuries and occupational diseases. The Division of Federal Employees' Compensation (DFEC) is responsible for administering the Act

The Difference Between Assigned Risk and State Fund Coverage

Since workers compensation is generally required by state law, each state must create a mechanism for employers to buy workers compensation insurance even when a private insurance carrier, or voluntary market, is unwilling to quote coverage. Assigned Risk coverage is designed to provide coverage access to employers when they can't find voluntary coverage due to the nature or work, their experience modifier, or the loss history.


Assigned Risk workers compensation is also known as the residual market, or the State Pool.


A workers' compensation State Fund may be established by a state to offer coverage in either, or both, the voluntary market or the residual market. State funds also manage access to all coverage in monopolistic states that do not allow private insurance companies to sell workers comp in the state. Therefore some state funds can be competitive insurance carriers as well as the market of last resort.

What is NCCI?

NCCI is the National Council on Compensation Insurance. They are no a regulatory agency; NCCI is an independent non-profit organization created by the insurance industry to standardize and manage the specific details of workers comp insurance such as classification codes, experience modifiers, and premium computations.


NCCI helps develops workers compensation manuals and rules used by states who choose not to operate their own independent rating bureaus. When a state is referred to as an NCCI state, it means that the state uses NCCI manuals, class codes, and experience modification ratings developed by NCCI.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.
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