Resources > Application Packet

Addendum

Potential hosts of J-1 interns/trainees are required to provide proof of Worker’s Compensation Insurance Policy of which the rules vary from state to state. Generally, all states except Texas and South Dakota mandate employers with more than certain number of employees purchase workers’ compensation insurance.

Return www.fusia.net/wcstate

Workers' compensation insurance is regulated on the state level, e.g., some states mandate coverage for only full-time employees; some mandate for part-time workers, temps, and independent contractors; some states allow businesses to operate a self-insured (or self-funded) plan. The following table highlights the different requirements by state.

State	Requirements
1	Alabama	Required if 5+ employees	Domestic workers, farm laborers, casual workers, municipalities with less than 2,000 residents	More
2	Alaska	Required if 1+ employees	Sports officials, entertainers, commercial fishing, real estate agents & more	More
3	Arizona	Required if 1+ employees	Domestic workers, casual workers	More
4	Arkansas	Required if 3+ employees	Farm laborers, real estate agents, domestic workers, employees of religious/nonprofit/charitable organizations. Construction industry requires for all employees.	More
5	California	Required if 1+ employees	Executive officers of corporations fully owned by said officers, sole proprietors	More
6	Colorado	Required if 1+ employees	Domestic workers (less than 40hr/wk), commission-based real estate agents	More
7	Connecticut	Voluntary	https://portal.ct.gov/-/media/DRS/Forms/2022/WTH/CT-W4_1221.pdf
8	Washington DC	Required if 1+ employees	Domestic worker (less than 26hr/wk)	More
9	Delaware	Required if 1+ employees	Sole proprietors, domestic worker (less than 240hr during any annual quarter in same or previous year)	More
10	Florida	Required if 1+ employees	Farm laborers, real estate agents, domestic workers, government positions	More
11	Georgia	Voluntary	https://dor.georgia.gov/form-g-4-employee-withholding
12	Hawaii	Required if 4+ employees	Construction industry requires for all employees.	More
13	Idaho	Required if 3+ employees	Sole proprietors	More
14	Illinois	Required if 1+ employees	Commissions-based real estate agents	More
15	Indiana	Required if 1+ employees	Domestic workers, crop-duster pilots, real estate agents	More
16	Iowa	Required if 1+ employees	Construction industry requires for all employees.	More
17	Kansas	Required if 1+ employees	Real estate agents, domestic workers, casual laborers, farm laborers	More
18	Kentucky	Required if 1+ employees	Sole Proprietors, LLC members, domestic workers making less than $1500 by employer during year before injury, agricultural workers whose employers have payrolls less than $2500 in year before injury, agricultural exchange labor, officers of a farm family corporation (and their relatives)	More
19	Louisiana	Required if 1+ employees	Payroll of less than 20000, certain agricultural workers	More
20	Maine	Required if 1+ employees	Agricultural businesses, certain religious organizations	More
21	Maryland	Required if 1+ employees	Domestic workers, real estate agents, certain musicians/performers	More
22	Massachusetts	Required if 1+ employees	Agriculture businesses with less than 7 workers (with requirements for liability insurance), domestic workers	More
23	Michigan	Required if 1+ employees	Agriculutural businesses with less than 3 workers or less than 15000 payroll	More
24	Minnesota	Required if 1+ employees	Domestic workers less than 16hr/wk, commissions-based real estate agents	More
25	Mississippi	Required if 3+ employees	With >2 employees, part-time workers are entitled to compensation. Agricultural business are exempt if has less than 3 employees employed for 35hr/wk or 13 or more consecutive weeks	More
26	Missouri	Required if 1+ employees	Sole proprietors, partners, some managers of LLCs, officers of closely held corporations and certain relatives, employees whose employers are enrolled in federal liability laws, family farm operations (mostly)	More
27	Montana	Required if 5+ employees	Domestic workers, farm laborers, nonprofit fraternal/charitable/religious/cultural organization workers	More
28	Nebraska	Required if 5+ employees	Domestic workers, farm laborers, certain real estate agents	More
29	Nevada	Required if 1+ employees	Domestic workers, commissions-based real estate/insurance salespeople, licensed cosmetologists/barbers	More
30	New Hampshire	Required if 1+ employees	Sole proprietors, federal employees, railroad employees, most volunteers, independent contractors, domestic workers, some agricultural operation employees	More
31	New Jersey	Required if 1+ employees	Worker (less than 20days with less than $500) that is not in trade, business	More
32	New Mexico	Required if 1+ employees	Railroad employees involved in interstate commerce, direct sellers, real estate broker, disabled people care takers	More
33	New York	Required if 1+ employees	Contactors, interns, volunteers	More
34	North Carolina	Required if 3+ employees	Household workers, real estate salespeople, federal employess covered by federal programs	More
35	North Dakota	Voluntary	https://www.irs.gov/pub/irs-pdf/fw4.pdf	More
36	Ohio	Required if 1+ employees	Sole proprietors/partners without employees	More
37	Oklahoma	Required if 3+ employees	Railroad workers that are covered by federal policies. Domestic employees of a household, farm laborers (less than 10 full-time), federal government employees, commission-based sellers of agricultural products	More
38	Oregon	Required if 1+ employees	Sole proprietors, partners, corporate officers, farm labor, domestic workers, verified independent contractors, employees under age of 22	More
39	Pennsylvania	Voluntary		More
40	Rhode Island	Required if 1+ employees	Domestic workers that earn less than $160 per calendar quarter)	More
41	South Carolina	Required if 1+ employees	Sole proprietors, LLCs, partners, corporate officers, five or fewer family employees, some agricultural workers, real estate brokers, most domestic workers	More
42	South Dakota	Required if 1+ employees	Sole proprietors	More
43	Tennessee	Required if 1+ employees	Railroad workers, longshoremen, federal employees, and domestic workers	More
44	Texas	Voluntary
45	Utah	Required if 1+ employees	Limited real estate workers, agricultural workers, domestic service employees	More
46	Vermont	Required if 4+ employees	Sole proprietors, partners, LLC members, agricultural employees, railroad employees, employees working at companies with payroll under $3000, textile hall workers, some commision-based real estate employees	More
47	Virginia	Voluntary		More
48	Washington	Required if 5+ employees	Sole proprietors, LLC members, partners	More
49	West Virginia	Voluntary		More
50	Wisconsin	Required if 1+ employees	Some agricultural employees domestic employees, some real estate/insurance brokers	More
51	Wyoming	Voluntary