PHOTO · ANTON LUKIN / UNSPLASHBusiness Insurance Explained
Where to start
The coverage your trade needs, in plain English.
- What good coverage looks like for your trade, in plain English.
- State workers’-comp rules and licensing notes, sourced.
- No sales pitch, no commission steering, no fake reviews.
§ 01
Built for
The trades on the ground.
A coverage checklist and state notes for each trade.
§ 02
By state
State-specific rules.
Workers'-comp thresholds, licensing notes, and minimum coverage. One page per state.
CACalifornia
Workers’ compRequired for all employers with one or more employees
TXTexas
Workers’ compWorkers' comp is generally optional for private employers (Texas is the only state where private-sector employers may opt out)
FLFlorida
Workers’ compConstruction: required at 1+ employees; non-construction: required at 4+ employees
NYNew York
Workers’ compRequired for virtually all employers with one or more employees (WCL §2 and §3)
PAPennsylvania
Workers’ compRequired for all employers with one or more employees (full-time or part-time, including family members)
ILIllinois
Workers’ compRequired for all employers with one or more employees (including part-time workers), from the first day of hire