|For School Administrators|
|United States only|
|Workers' Compensation Insurance|
|We are NOT lawyers but here are comments from people who are|
|Check with your state agency and a knowledgeable local attorney|
|The definition: a form of insurance providing wage replacement and medical benefits to|
|employees injured in the course of employment in exchange for mandatory relinquishment|
|of the employee's right to sue their employer for the tort of negligence. Very complicated.|
Alabama - Businesses
with five or more employees must carry coverage. With
corporations or LLCs, officers and members are counted as
employees. If there are more than four employees, workers’
compensation insurance is required.
Details/Exceptions: Coverage isn’t required for businesses with four or fewer regular employees (full-time or part-time). Employers of household/domestic employees, farm laborers, or casual employees aren’t required to provide coverage, but have the option to. Sole proprietors can opt out of carrying coverage. Purchased from a commercial carrier. Approved businesses may self-insure. There is no state-administered fund - see Alabama Department of Labor.
|Alaska - Employers with one or more employees must have workers’ compensation insurance. Details/Exceptions: Sole proprietors and some other arrangements are exempt. Purchased from a commercial carrier or through Alaska’s state-administered fund. Approved businesses may self-insure - see Alaska Department of Labor and Workforce Development|
|Arizona - Mandatory for any business (including sole proprietors) that regularly hires or employs at least one employee. NOT required for working partners, independent contractors, casual workers, or domestic servants working in your home. Sole proprietors can opt out of coverage if they don’t have employees, but can also choose to carry coverage. Purchased from a commercial provider. Approved businesses may self-insure - see Industrial Commission of Arizona|
Arkansas - Most
employers with three or more employees must carry coverage.
There are exceptions to the three-or-more requirement, so employers with fewer than three should check with authorities. Purchased from a commercial provider. Approved businesses may self-insure - see Arkansas Workers’ Compensation Commission
|Return to the notes page click here|
|Return to the Workers Compensation page click here|
|Return to the home page click here|