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.
Indiana - All employees must be covered. Sole proprietors, partners, and LLC members are excluded from coverage, but can choose to be included. Corporate officers are included but can choose to be exempt. Purchased from a commercial provider. Approved businesses may self-insure - see Workers’ Compensation Board of Indiana
Iowa - Most employers are required to purchase workers’ compensation insurance.
Sole proprietors and LLC members are not required to be covered, but may choose to cover themselves. Purchased from a commercial provider. Approved businesses may self-insure - see Iowa Division of Workers’ Compensation
Kansas - Mandatory for all employers with employees with gross payroll over $20,000 (paid in Kansas or elsewhere and including executive officers). Sole proprietors’ and partnership wages paid to owners and owners’ family members are not counted toward the total payroll. Sole proprietors, partners, and LLC members are exempt, but can choose to be included. Purchased from a commercial provider. Approved businesses may self-insure - see Kansas Department of Labor
Kentucky - All employers with one or more employees, regardless of employee status. Sole proprietors, partners, and LLC members are excluded from coverage, but can choose to cover themselves. Purchased from a commercial provider or Kentucky’s state-administered fund. Approved businesses may self-insure - see Kentucky Department of Insurance
Louisiana - All employers must provide workers compensation insurance for their employees (whether part-time, contractors, or full-time). Sole proprietors, partners, corporate officers, and LLC members are included, but can choose to be excluded.
Purchased from a commercial provider or Louisiana’s state-administered fund. Approved businesses may self-insure - see Louisiana Workforce Commission
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