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.

Florida - Non-construction industry employers with four or more employees (full-time or part-time, including corporate officers and LLC members) must carry coverage. Sole proprietors are not considered to be employees unless they choose to be. Purchased from a commercial provider. Approved businesses may self-insure - see Florida Division of Workers’ Compensation

Georgia - Employers (including individuals, firms, associations, or corporations) of three or more people are required to carry coverage. Georgia considers sole proprietors and partners to be employers (not employees), so they’re exempt, but can choose to be covered as an employee by advising their insurance carrier. Purchased from a commercial provider. Approved businesses may self-insure - see Georgia State Board of Workers’ Compensation

Hawaii - Any employer with one or more employees (full- or part-time, permanent or temporary) must carry coverage. LLC members must also be covered. Sole proprietors and partners are excluded, but can choose to cover themselves. Purchased from a commercial provider. Approved businesses may self-insure - see Hawaii Department of Labor and Industrial Relations

Idaho - Employers with one or more full- or part-time, seasonal, or occasional employees are required to have workers’ compensation coverage. Sole proprietors are exempt, but can choose to cover themselves. Purchased from a commercial provider or Idaho’s state-administered fund. Approved businesses may self-insure - see Idaho Industrial Commission

Illinois - Required in nearly every work situation and for every employer, even those with one part-time employee. Sole proprietors (with no employees) are exempt but can choose purchase insurance themselves. Purchased from a commercial provider. Approved businesses may self-insure - see Illinois Workers’ Compensation Commission

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