Rhode Island requires workers' compensation with one or more employees, auto liability on every vehicle and a $500,000 liability certificate for contractors.
Workers' compensation is the main insurance Vermont requires of small businesses. See the exceptions, the penalties, the common coverages and what to compare.
Delaware employers with one or more employees generally must carry workers' compensation, and business vehicles need state minimums. See what else to ask about.
Maryland businesses with one employee generally need workers' compensation, and every registered vehicle needs active insurance. See what else to ask about.
New Jersey requires workers' compensation for covered employers and liability insurance on commercial vehicles. See who counts, the penalties and what to ask.
Pennsylvania requires workers' compensation from your first employee and liability on every registered vehicle. See the rules, penalties, HIC limits and costs.
Whether one employee needs workers' comp depends on your state, industry, worker status and business setup. See first-hire rules, owner choices and penalties.
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.
Connecticut covers employees from day one. For a REIT, the question is which entity employs property staff and when an owner answers for a contractor's workers.
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