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.

California - All employers and work situations, even those with just one employee, including corporate officers and directors, must carry coverage. If you’re an out-of-state employer you might need workers’ compensation coverage for any employees regularly working in California, or if you enter into a contract of employment. If the directors and officers fully own the corporation, they can choose to be excluded from coverage. Sole proprietors without employees can opt out of coverage. Purchased from a commercial provider or through California’s state-administered fund. Approved businesses may self-insure - see California Department of Industrial Relations

Colorado - All employers with one or more employees, whether full- or part-time. Anyone hired to perform services for pay is considered an employee. Exception: independent contractors with no employees. Sole proprietors can purchase workers’ compensation insurance for themselves, but are not required to. A corporate officer of a corporation or a member of an LLC may choose to exclude themselves from coverage. Purchased from a commercial provider. Approved businesses may self-insure - see Colorado Department of Labor and Employment

Connecticut - All businesses with one or more employees (full-time, part-time, or contract) except those able to self-insure. Also included are uninsured subcontractors. Sole proprietors and single member LLCs may purchase it, but are not required to. Purchased from a commercial provider. Approved businesses may self-insure - see Connecticut Workers’ Compensation Commission

Delaware - Employers with one or more employees. Workers considered to be independent contractors, rather than employees, are also not covered. Purchased from a commercial provider. Approved businesses may self-insure - see Delaware Department of Labor

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