2026 Workers’ Compensation Insurance Requirements by State

Workers’ compensation regulations vary by state, but nearly all U.S. employers are required to carry some form of workers’ compensation insurance for their employees. Certain states, including North Dakota, Ohio, Washington, and Wyoming, mandate coverage through state-run workers’ compensation programs, while the remaining states allow employers to purchase coverage through licensed private insurance carriers.

Requirements may vary based on state law, industry, number of employees, and business structure, and regulations are subject to change. Failing to comply with applicable workers’ compensation requirements can result in significant fines, penalties, and potential liability if an employee is injured or becomes ill in the course of employment.

Regardless of business size, employers must stay compliant with their state’s workers’ compensation laws, as well as related payroll, HR, and employment compliance obligations. Select your state from the map above to review the specific workers’ compensation requirements that apply to your business in 2026.