Workers’ compensation regulations differ across states, but nearly all U.S. employers must carry some form of coverage for their employees. Certain states, such as North Dakota, Ohio, Washington, and Wyoming, require coverage through state-run programs, while the remaining 46 states allow employers to purchase workers’ comp insurance through a licensed broker. Failing to comply can lead to significant fines and potential liability if an employee is injured or becomes ill on the job.

Regardless of your business size, it’s crucial to understand and follow your state’s workers’ compensation laws, along with other HR compliance requirements. Select your state from the map above to review the specific workers’ comp obligations for your small business.