On this page
Key takeaways
- Coverage comes from the state fund through L&I — private policies aren't sold for this (monopolistic state, with OH, ND, WY)..
The rule
Coverage comes from the state fund through L&I — private policies aren't sold for this (monopolistic state, with OH, ND, WY).
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
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Data
Verify coverage with the official source below.
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Checklist
Washington workers' comp checklist
- Count employees per your state's rule
- Buy coverage or document an exemption
- Keep the certificate on file for clients/GCs
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