Key takeaways
- Thresholds differ: FL construction at 1 employee, GA at 3, TX is optional for most employers.
- WA (and OH, ND, WY) buy coverage from a state fund.
- CA roofers (C-39) need it even with no employees.
Rules by state
| 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 |
What California licenses show
Source: CSLB License Master file, October 2026, 244,107 records.
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
Before you hire employees
Workers' comp checklist
- Check your state threshold
- Get a policy (or state fund account in WA)
- Post required notices
- File exemptions where allowed
- Update your license record (CA: CSLB)
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FAQ
Do sole proprietors need workers' comp?
Often not if they have no employees, but Florida counts construction owners as employees unless exempt, and California C-39 roofers must carry it regardless.
Still unsure?
Answer 3 quick questions and we'll point you to the right official rules.