Pennsylvania requires workers' compensation from your first employee and liability on every registered vehicle. See the rules, penalties, HIC limits and costs.
Commercial auto turns on who owns the vehicle, who drives it and how it is used. See where personal policies stop and how rideshare and delivery phases work.
Virginia requires workers' comp once a business has more than two employees, and business vehicles must meet the 2025 auto minimums. See what else to ask about.
DC employers need workers' comp from the first employee, business vehicles need continuous coverage, and PFL is 0.75% of wages in 2026. See what else applies.
North Carolina businesses need workers' comp at three employees, and vehicles must meet the July 2025 auto minimums. See what a BOP covers and what to ask.
South Carolina businesses that regularly employ four or more people must carry workers' comp. See auto limits, carrier rules, costs and what to ask an agent.
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