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.
Wisconsin - Employers with three or more full- or part-time employees must carry coverage. Employers with fewer than three employees are exempt. Sole proprietors with no employees are not required to carry coverage, but may choose to cover themselves. Purchased from a commercial carrier. Approved businesses may self-insure - see Wisconsin Department of Workforce Development
Wyoming - All employers must have coverage for all employees. Employees include workers under any contract of hire (express or implied, oral or written) and also include minors, aliens authorized to work, and aliens the employer reasonably believed to be authorized to work. Sole proprietors and partners are excluded from coverage for themselves. The only workers’ compensation insurance option in Wyoming is through the state-administered fund. Self-insurance and private insurance are not permitted - see Wyoming Department of Workforce Services
Washington DC - Employers with one or more employees. Sole proprietors are not required to unless they have employees, but can choose to purchase coverage for themselves. Purchased from a commercial provider. Approved businesses may self-insure - see DC Department of Employment Services
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