MONDAY, FEBRUARY 20, 2017
 
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State Workers Compensation Resources

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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.

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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:

ALAKAZARCACOCT
DEFLGAHIIDILIN
IAKSKYLAMEMDMA
MIMNMSMOMTNENV
NJNJNMNYNCNDOH
OKORPARISCTNTX
UTVTVAWAWVWIWY

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

Helpful state links

Alabama WC Rules, Rates, Forms, and Programs


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

Helpful state links

Alaska WC Rules, Rates, Forms, and Programs


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

Helpful state links

Arizona WC Rules, Rates, Forms, and Programs


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

Helpful state links

Arkansas WC Rules, Rates, Forms, and Programs


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

Helpful state links

California WC Rules, Rates, Forms, and Programs


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

Helpful state links

Colorado WC Rules, Rates, Forms, and Programs


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

Helpful state links

Connecticut WC Rules, Rates, Forms, and Programs


Delaware

Rating Authority:

Delaware Compensation Rating Bureau (DCRB)

State Fund:

No State Fund

Assigned Risk Coverage:

Delaware Compensation Rating Bureau

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

DE Department of Insurance

Workers Comp Administration:

Office of Workers' Compensation

State Laws:

Delaware Workers Comp Legal Code

Helpful state links

Delaware WC Rules, Rates, Forms, and Programs


District of Columbia

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

NCCI (Workers Compensation Reinsurance Plan)

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

DC Department of Insurance

Claims Administration:

Office of Workers' Compensation

State Laws:

DC Workers Compensation Code

Helpful state links

District of Columbia WC Rules, Rates, Forms, and Programs


Florida

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

FWCJUA

State Coverage Requirements:

Mandatory coverage for all private employers with 4 or more employees- All contractors with 1 or more

Owner Exclusions:

Allowed

State Regulation:

Department of Financial Services

Claims Administration:

Division of Workers' Compensation

State Laws:

FL Workers Comp Statutes

Helpful state links

Florida WC Rules, Rates, Forms, and Programs


Georgia

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

NCCI (Georgia Workers Compensation Assigned Risk Plan)

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

GA Insurance Commissioner

Claims Administration:

Georgia State Board of Workers' Compensation

State Laws:

GA Statutes and Rules

Helpful state links

Georgia WC Rules, Rates, Forms, and Programs


Hawaii

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

Hawaii's Employers Mutual Insurance Company (HEMIC)

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Hawaii Insurance Division

Claims Administration:

Department of Labor & Industrial Relations (DLIR)

State Laws:

HI Workers Compensation Law

Helpful state links

Hawaii WC Rules, Rates, Forms, and Programs


Idaho

Rating Authority:

NCCI

State Fund:

Idaho State Insurance Fund

Assigned Risk Coverage:

NCCI

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Idaho Department of Insurance

Claims Administration:

Idaho Industrial Commission

State Laws:

Idaho WC Statutes

Helpful state links

Idaho WC Rules, Rates, Forms, and Programs


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:

IL Department of Insurance

Claims Administration:

Illinois Workers Compensation Commission

State Laws:

Illinois Workers Compensation Act

Helpful state links

Illinois Rules, Rates, Forms, and Programs


Indiana

Rating Authority:

Indiana Compensation Rating Bureau

State Fund:

No State Fund

Assigned Risk Coverage:

Indiana Compensation Rating Bureau

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Indiana Department of Insurance

Claims Administration:

Workers Compensation Board of Indiana

State Laws:

Indiana WC Code

Helpful state links

Indiana WC Rules, Rates, Forms, and Programs


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:

Iowa Insurance Division

Claims Administration:

Iowa Division of Workers' Compensation

State Laws:

Iowa Workers Comp Provisions

Helpful state links

Iowa WC Rules, Rates, Forms, and Programs


Kansas

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

Kansas Workers Compensation Insurance Plan

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Kansas Department of Insurance

Claims Administration:

Kansas Division of Workers' Compensation

State Code:

KS Workers Compensation Act

Helpful state links

Kansas WC Rules, Rates, Forms, and Programs


Kentucky

Rating Authority:

NCCI

State Fund:

Kentucky Employers' Mutual Insurance- Kemi

Assigned Risk Coverage:

KEMI

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Kentucky Department of Insurance

Claims Administration:

Department of Workers' Compensation Claims

State Code:

Kentucky Statutes and Regulations

Helpful state links

Kentucky WC Rules, Rates, Forms, and Programs


Louisiana

Rating Authority:

NCCI

State Fund:

Louisiana Workers Compensation Corporation (LWCC)

Assigned Risk Coverage:

LWCC

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Louisiana Department of Insurance

Claims Administration:

Office of Workers' Compensation Administration

State Code:

Louisiana Workers Comp Laws

Helpful state links

Louisiana WC Rules, Rates, Forms, and Programs


Maine

Rating Authority:

NCCI

State Fund:

Maine Employers Mutual Insurance Company (MEMIC)

Assigned Risk Coverage:

MEMIC

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Maine Bureau of Insurance

Claims Administration:

Maine Workers Compensation Board

State Code:

Maine Workers Compensation Statutes

Helpful state links

Maine WC Rules, Rates, Forms, and Programs


Maryland

Rating Authority:

NCCI (Limited Utilization)

State Fund:

Chesapeake Employers Insurance

Assigned Risk Coverage:

Chesapeake Employers Insurance

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Maryland Insurance Administration

Claims Administration:

Maryland Workers' Compensation Commission

State Code:

Maryland Workers' Compensation Law

Helpful state links

Maryland WC Rules, Rates, Forms, and Programs


Massachusetts

Rating Authority:

Workers Compensation Rating and Inspection Bureau

State Fund:

No State Fund

Assigned Risk Coverage:

WCRIBMA

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Massachusetts Division of Insurance

Claims Administration:

Division of Insurance

State Code:

Massachusetts Workers' Comp Laws

Helpful state links

Massachusetts WC Rules, Rates, Forms, and Programs


Michigan

Rating Authority:

Compensation Advisory Organization of Michigan (CAOM)

State Fund:

Competitive State Fund

Assigned Risk Coverage:

The Michigan Workers' Compensation Placement Facility (via CAOM)

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

Department of Insurance & Financial Services

Claims Administration:

LARA Workers Compensation Agency

State Code:

Michigan Workers' Compensation Act

Helpful state links

Michigan WC Rules, Rates, Forms, and Programs


Minnesota

Rating Authority:

Minnesota Workers Compensation Insurance Association (MWCIA)

State Fund:

No State Fund

Assigned Risk Coverage:

Minnesota Workers Compensation Assigned Risk Plan, (MWCARP)

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Minnesota Dept. of Labor & Industry

Claims Administration:

Same

State Code:

Minnesota Workers Comp Statutes

Helpful state links

Minnesota WC Rules, Rates, Forms, and Programs


Mississippi

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

Compensation Insurance Services

State Coverage Requirements:

Mandatory coverage for all private employers with 5 or more employees

Owner Exclusions:

Allowed

State Regulation:

Mississippi Insurance Department

Claims Administration:

Workers' Compensation Commission

State Code:

MS Workers Compensation Rules

Helpful state links

Mississippi WC Rules, Rates, Forms, and Programs


Missouri

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

Missouri Workers' Compensation Assigned Risk Pool- administered by Travelers Commercial Insurance Company

State Coverage Requirements:

Mandatory coverage for all private employers with 5 or more employees- Contractors required with 1 employee

Owner Exclusions:

Allowed

State Regulation:

Missouri Department of Insurance

Claims Administration:

Missouri Division of Workers' Compensation

State Code:

Missouri Workers Compensation Law

Helpful state links

Missouri WC Rules, Rates, Forms, and Programs


Montana

Rating Authority:

NCCI

State Fund:

Montana State Fund

Assigned Risk Coverage:

Montana State Fund

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Workers' Compensation Regulation Bureau

Claims Administration:

Montana Dept. of Labor & Industry

State Code:

Montana Workers' Compensation Code

Helpful state links

Montana WC Rules, Rates, Forms, and Programs


Nebraska

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

Nebraska WCIP- Administered by Travelers Insurance Company

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Nebraska Department of Insurance

Claims Administration:

Nebraska Workers' Compensation Court

State Code:

Nebraska Workers' Comp Statutes

Helpful state links

Nebraska WC Rules, Rates, Forms, and Programs


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:

Nevada Division of Insurance

Claims Administration:

Dept. of Business & Industry

State Code:

Nevada Workers Comp Law

Helpful state links

Nevada WC Rules, Rates, Forms, and Programs


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:

New Hampshire Dept. of Labor

Claims Administration:

Workers Compensation Division

State Code:

New Hampshire WC Statutes

Helpful state links

New Hampshire WC Rules, Rates, Forms, and Programs


New Jersey

Rating Authority:

New Jersey Compensation Rating and Inspection Bureau (NJCRIB)

State Fund:

No State Fund

Assigned Risk Coverage:

NJCRIB

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

New Jersey Department of Banking & Insurance

Claims Administration:

New Jersey Department of Labor and Workforce Development

State Code:

NJ Workers Compensation Law

Helpful state links

New Jersey WC Rules, Rates, Forms, and Programs


New Mexico

Rating Authority:

NCCI

State Fund:

New Mexico Mutual

Assigned Risk Coverage:

New Mexico Workers Compensation Assigned Risk Plan- NCCI

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

New Mexico Workers' Compensation Administration

Claims Administration:

Same

State Code:

New Mexico Statutes

Helpful state links

New Mexico WC Rules, Rates, Forms, and Programs


New York

Rating Authority:

New York Compensation Insurance Rating Board- NYCIRB

State Fund:

New York State Insurance Fund (SIF)

Assigned Risk Coverage:

SIF

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

New York State Insurance Dept.

Claims Administration:

New York Workers' Compensation Board

State Code:

NY WC Laws and Regulations

Helpful state links

New York WC Rules, Rates, Forms, and Programs


North Carolina

Rating Authority:

North Carolina Rate Bureau (NCRB)

State Fund:

No State Fund

Assigned Risk Coverage:

NCRB

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

NC Department of Insurance

Claims Administration:

North Carolina Industrial Commission

State Code:

NC Workers Compensation Act

Helpful state links

North Carolina WC Rules, Rates, Forms, and Programs


North Dakota

Rating Authority:

Workforce Safety & Insurance

State Fund:

Monopolistic State Fund

Assigned Risk Coverage:

State Fund

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Workforce Safety & Insurance

Claims Administration:

Same- WSI

State Code:

Workers Compensation Code- Title 65

Helpful state links

North Dakota Out of State Coverage


Ohio

Rating Authority:

Bureau of Workers' Compensation

State Fund:

Monopolistic State Fund

Assigned Risk Coverage:

OBWC

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

OBWC

Claims Administration:

OBWC

State Code:

Ohio WC Statutes and Code

Helpful state links

Ohio Out of State Workers Comp Insurance


Oklahoma

Rating Authority:

NCCI

State Fund:

CompSource Oklahoma (competitive state fund)

Assigned Risk Coverage:

CompSource Oklahoma

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Oklahoma Insurance Department

Claims Administration:

Oklahoma Workers Compensation Court

State Code:

Oklahoma Workers Comp Law- Title 85

Helpful state links

Oklahoma WC Rules, Rates, Forms, and Programs


Oregon

Rating Authority:

NCCI

State Fund:

SAIF Corporation- competitive fund

Assigned Risk Coverage:

NCCI

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Oregon Division of Financial Regulation

Claims Administration:

Workers' Compensation Division

State Code:

Oregon Workers Compensation Law- Chapter 656

Helpful state links

Oregon WC Rules, Rates, Forms, and Programs


Pennsylvania

Rating Authority:

Pennsylvania Compensation Rating Bureau

State Fund:

State Workers Insurance Fund (SWIF)- competitive fund

Assigned Risk Coverage:

SWIF

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Pennsylvania Department of Labor and Industry

Claims Administration:

Same

State Code:

Pennsylvania Workers' Compensation Act

Helpful state links

Pennsylvania WC Rules, Rates, Forms, and Programs


Rhode Island

Rating Authority:

NCCI

State Fund:

Beacon Mutual Insurance Company- completive state fund

Assigned Risk Coverage:

Beacon Mutual Insurance Company

State Coverage Requirements:

Mandatory coverage for all private employers with 4 or more employees

Owner Exclusions:

Allowed

State Regulation:

Rhode Island Department of Business Regulation

Claims Administration:

RI Division of Workers' Compensation

State Code:

RI Workers' Compensation Law- Title 28

Helpful state links

Rhode Island WC Rules, Rates, Forms, and Programs


South Carolina

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

NCCI

State Coverage Requirements:

Mandatory coverage for all private employers with 4 or more employees

Owner Exclusions:

Allowed

State Regulation:

South Carolina Dept. of Insurance

Claims Administration:

South Carolina Workers' Compensation Commission

State Code:

South Carolina Code of Laws- Title 42

Helpful state links

South Carolina WC Rules, Rates, Forms, and Programs


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:

Division of Insurance

Claims Administration:

Division of Labor and Management

State Code:

SD Workers Comp Law- Chapter 62-4

Helpful state links

South Dakota WC Rules, Rates, Forms, and Programs


Tennessee

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

NCCI

State Coverage Requirements:

Mandatory coverage for all private employers with 5 or more employees

Owner Exclusions:

Allowed

State Regulation:

Tennessee Dept. of Commerce & Insurance

Claims Administration:

TN Bureau of Workers' Compensation

State Code:

TN Workers Comp Laws

Helpful state links

Tennessee WC Rules, Rates, Forms, and Programs


Texas

Rating Authority:

NCCI

State Fund:

Texas Mutual Insurance Company- competitive state fund

Assigned Risk Coverage:

Texas Mutual Insurance Company

State Coverage Requirements:

Elective coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Texas Department of Insurance

Claims Administration:

TX Division of Workers' Compensation

State Code:

Texas Workers' Compensation Statutes

Helpful state links

Texas WC Rules, Rates, Forms, and Programs


Utah

Rating Authority:

NCCI

State Fund:

Workers Compensation Fund of Utah (WCF)- competitive state fund

Assigned Risk Coverage:

WCF

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Utah Insurance Department

Claims Administration:

Division of Industrial Accidents

State Code:

Utah Insurance Code

Helpful state links

Utah WC Rules, Rates, Forms, and Programs


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:

Vermont Department of Financial Regulation

Claims Administration:

Division of Workers' Compensation and Safety

State Code:

Vermont Workers' Compensation Statutes

Helpful state links

Vermont WC Rules, Rates, Forms, and Programs


Virginia

Rating Authority:

NCCI

State Fund:

No State Fund

Assigned Risk Coverage:

NCCI

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

Bureau of Insurance (BOI)

Claims Administration:

Virginia Workers' Compensation Commission

State Code:

Virginia Workers' Comp Code- Title 65.2

Helpful state links

Virginia WC Rules, Rates, Forms, and Programs


Washington

Rating Authority:

Labor & Industries Washing State Fund

State Fund:

Same

Assigned Risk Coverage:

Same

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Office of Insurance Commissioner

Claims Administration:

Washington Department of Labor and Industries

State Code:

Washington Insurance Code

Helpful state links

Washington Out of State Workers Compensation Coverage


West Virginia

Rating Authority:

NCCI

State Fund:

BrickStreet Mutual Insurance Company- competitive fund

Assigned Risk Coverage:

Brickstreet

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

WV Insurance Commissioner

Claims Administration:

same

State Code:

WV Workers' Compensation Code

Helpful state links

West Virginia WC Rules, Rates, Forms, and Programs


Wisconsin

Rating Authority:

Wisconsin Compensation Rating Bureau

State Fund:

No State Fund

Assigned Risk Coverage:

Wisconsin Compensation Rating Bureau

State Coverage Requirements:

Mandatory coverage for all private employers with 3 or more employees

Owner Exclusions:

Allowed

State Regulation:

Office of Commissioner of Insurance

Claims Administration:

Wisconsin Department of Workforce Development

State Code:

Wisconsin Workers' Compensation Act

Helpful state links

Wisconsin WC Rules, Rates, Forms, and Programs


Wyoming

Rating Authority:

Wyoming Department of Workforce Services

State Fund:

Monopolistic State Fund

Assigned Risk Coverage:

Wyoming Department of Workforce Services

State Coverage Requirements:

Mandatory coverage for all private employers

Owner Exclusions:

Allowed

State Regulation:

Wyoming Department of Workforce Services

Claims Administration:

Same

State Code:

N/A

Helpful state links

Out of state coverage for Wyoming employers


Independent Insurance Agents Associations.  


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?



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



Know Your State Workers'
Compensation Rules?
Workers compensation state laws


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.



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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.


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Workers Compensation Experts State Workers Compensation Insurance.

Understanding workers comp insurance can be a challenge because rules and regulations vary so much between state. Most insurance carriers and agents are not much help either as they don't always share their knowledge with business owners and employers. At Workers Compensation Shop.com, we take the time to make sure our customers learn the basics of work comp coverage.

Give one of our national workers comp Specialists a call today to find out just how easy it is to find better and more affordable coverage in your state, or out of state. Call now at 888-611-7467, or start your quote online.

National Agency Number: 8847381
National Producer Number: 5064979

Contact a Work Comp Specialist