Alabama requires workers' comp at five employees, counting part-timers and officers, plus 25/50/25 auto liability. See BOP, COI and lease contract basics.
BusinessFlorida requires workers' comp at four employees, or one in construction, and commercial auto for business vehicles. See penalties, BOP basics and what to ask.
BusinessGeorgia businesses with three or more regular employees need workers' comp, and registered vehicles need liability cover. See BOP basics, costs and agent tips.
A workers comp audit swaps your estimated payroll for actual payroll. See what the auditor asks for, how the final premium is set and how to dispute a bill.
Connecticut requires workers' compensation for employees and insurance on commercial vehicles. See what else depends on leases, contracts and licenses.
Start with what the law, your lease, contracts or lender require, then look at general liability, property, professional liability and a BOP. See what can wait.
New York does not require one insurance package for every business, but employers face workers' comp, disability, and PFL rules. See limits, costs, and checks.
Maine employers must secure workers' compensation unless an exemption applies. See who counts as an employee, the penalties and other coverage to ask about.
Massachusetts requires workers' compensation for every employee and auto insurance for every registered vehicle. See what leases, contracts and licenses add.
New Hampshire employers need workers' compensation from the first employee. See what the law, leases and licenses require and what business insurance costs.
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