On this page
Key takeaways
- Employers must carry workers' comp under Labor Code 3700.
The rule
Employers must carry workers' comp under Labor Code 3700. CSLB records show each license's status; C-39 roofing contractors must carry it even with no employees (BPC §7125).
Compare states
| State | When workers' comp is required | Source |
|---|---|---|
| California | All employers (Labor Code 3700); C-39 roofers even with no employees | DIR / CSLB |
| Texas | Most private employers may opt out as non-subscribers (notice rules apply) | TDI-DWC |
| Florida | Construction: 1 or more employees (owners count; officers may exempt) | FL CFO |
| Georgia | 3 or more regular employees | SBWC |
| New York | Virtually all employers | NY WCB |
| Washington | Through L&I state fund (monopolistic) | WA L&I |
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Data
Source: CSLB License Master file, October 2026, 244,107 records.
Compare contractor insurance quotes
We're choosing a quote partner. Until then, use the checklist on this page when you call insurers.
Partner slot — compare quotes card (partner approval pending). No link yet.
Checklist
California workers' comp checklist
- Count employees per your state's rule
- Buy coverage or document an exemption
- Keep the certificate on file for clients/GCs
Partner slot — California workers' comp quotes (partner approval pending). No link yet.