Workers' Compensation from Paychex
Easy, Accurate Workers' Comp Coverage
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Find the Right Workers' Compensation Insurance

Most states require workers' comp insurance. As your agent, we compare rates from leading carriers to find the right coverage for your business.¹ Our solutions:

  • Meet state-mandated requirements
  • Cover medical bills and lost wages from workplace injuries or illnesses
  • Maintain compliance and minimize legal risks
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Safeguard Your Business

Workers' compensation coverage is not only legally required in most states but also offers essential protection for your business.

  • Uninsured injuries and decreased employee productivity can harm your bottom line.
  • Over 2.8 million workplace injuries and illnesses were reported by private industry employers, with more than 2.2 million cases resulting in lost workdays.2
  • The coverage helps shield your business from potential liabilities related to employee injuries and illnesses.

What Are the Workers' Compensation Mandates in Your State?

united states map

Workers' Compensation

Coverage is mandatory for employers with any employees.

35375

Workers' Compensation

Employers are required to have coverage for three (3) or more employees at one time (including part-time employees) or one (1) or more full-time employees 35 hours of more per week for at least 13 weeks in the preceding 52 weeks.

35380

Workers' Compensation

Coverage is mandatory for employers with any employees.

35387

Workers' Compensation

  • Coverage is mandatory for employers with five (5) or more employees
  • Construction coverage needed at employee No. 1
  • Employee includes all full or part-time employees, officers of a corporation, or members of an LLC

35388

Workers' Compensation

Coverage is mandatory for the employers with any employees.

35393

Workers' Compensation

Coverage is mandatory for employers with five (5) or more employees.

35396

Workers' Compensation

Coverage is optional for all employers.

35397

Workers' Compensation

  • Coverage is mandatory for employers with five (5) or more employees. Corporate officers and LLC members are included in the employee count
  • Contractor coverage is mandatory with one (1) or more employees

35399

Workers' Compensation

  • Coverage is mandatory for employers with five (5) or more employees
  • LLC members and corporate officers are included in employee count provided they meet the definition of employee
  • Exception: All Contractors are required to have coverage regardless of the number of employees

35400

Workers' Compensation

Coverage is mandatory for the employers with any employees.

35401

Workers' Compensation

  • Coverage is mandatory for employers with three (3) or more employees
  • Officers are included in the employee count, even if they are excluding coverage
  • Construction – coverage is needed with employee No. 2
  • All employments in which one or more employee(s) is employed by a sub-contractor or a contractor that uses a sub-contractor for any part of their work

35402

Workers' Compensation

Coverage is mandatory for employers with any employees.

35403

Workers' Compensation

Coverage is mandatory for the employers with any employees.

35404

Workers' Compensation

Coverage is mandatory for the employers with any employees.

35405

Workers' Compensation

Coverage is mandatory for employers with any employees.

35406

Workers' Compensation

Coverage is mandatory for employers with any employees.

35408

Workers' Compensation

Coverage is mandatory for employers with any employees.

35409

Workers' Compensation

Coverage is mandatory for employers with any employees.

35410

Workers' Compensation

Coverage is mandatory for employers with three (3) or more employees. Officers and members are considered in the employee count even though they may be excluded.

35411

Workers' Compensation

  • Coverage is mandatory for employers with four (4) or more employees. Officers are considered employees of a corporation.
  • Contractors are required to carry coverage at employee No. 1.

35412

Workers' Compensation

Coverage is mandatory for all employees and corporate officers.

35414

Workers' Compensation

Coverage is mandatory for employers with one (1) or more employees.

35415

Workers' Compensation

Coverage is mandatory for employers with any employees.

35416

Workers' Compensation

Coverage is mandatory for employers with four (4) or more employees

35417

Workers' Compensation

Coverage is mandatory for employers with any employees.

35418

Workers' Compensation

  • Coverage is mandatory for employers with three (3) or more employees
  • Officers go toward the employee count even if they are excluded
  • Contractors who use sub-contractors; the sub-contractors are counted as employees even if they have their own coverage

35419

Workers' Compensation

  • Coverage is optional for all employers
  • Exception: Private employers who contract with government entities. Also, some contractors may require their subcontractors and independent contractors to obtain a policy

35420

Workers' Compensation

Coverage is mandatory for employers with any employees.

35421

Workers' Compensation

  • Coverage is mandatory for all employees
  • Coverage is mandatory for corporate officers and LLC members owning less than 10% of the business shares

35422

Workers' Compensation

Coverage is mandatory for employers with any employees.

35423

Workers' Compensation

Coverage is mandatory for employers with any employees.

35424

Workers' Compensation

Coverage is mandatory for employers with any employees.

35425

Workers' Compensation

Coverage is mandatory for employers with any employees.

35426

Workers' Compensation

  • Coverage is mandatory for employers with any employees
  • Coverage must be obtained through the state

35427

Workers' Compensation

Coverage is mandatory for employers with any employees.

35428

Workers' Compensation

Coverage is mandatory for employers with three (3) or more employees or one (1) or more employees to whom you have paid combined gross wages of $500 or more in any calendar year.

35430

Workers' Compensation

Coverage is mandatory for employers with three (3) or more employees or one (1) or more employees to whom you have paid combined gross wages of $500 or more in any calendar year.

35431

Workers' Compensation

Coverage is mandatory for employers with any employees.

35432

Workers' Compensation

Coverage is mandatory for employers with any employees.

35433

Workers' Compensation

  • Coverage is mandatory for employers with three (3) or more employees
  • Construction must carry coverage
  • Farms are no longer exempt
  • Officers/LLC members go toward employee count even if excluded
  • Construction requires coverage at employee No. 1

35434

Workers' Compensation

Coverage is mandatory for employers with any employees.

35435

Workers' Compensation

  • Coverage is mandatory for employers with any employees
  • Certain licensed contractors are required to obtain coverage or certify as self-insured even if they do not have employees

35436

Workers' Compensation

Coverage is mandatory for employers with any employees.

35437

Workers' Compensation

Coverage is mandatory for employers with any employees.

35438

Workers' Compensation

Coverage is mandatory for employers with any employees.

35439

Workers' Compensation

Coverage is mandatory for employers with any employees.

35440

Workers' Compensation

Coverage is mandatory for employers with any employees.

35441

Workers' Compensation

  • Coverage is mandatory for employers with three (3) or more employee
  • Sole proprietors, partners, and LLC members go toward employee count if they are included
  • Corporate officers go toward employee count regardless of included or excluded

35443

Workers' Compensation

  • Coverage is mandatory if an employer hires individuals to work in the state or has employees working in the state
  • Corporate officers go toward employee count regardless of included or excluded

35445

Workers' Compensation

  • Coverage is mandatory for employers with one or more employees
  • Coverage must be obtained directly through the state

35446

Workers' Compensation

Coverage is mandatory for employers with any employees.

35447

Unlock the Benefits of Our Workers' Comp Solutions

Flexible Billing Options

Calculate premiums based on actual payroll each checkdate3, or pay your carrier directly in a lump sum or installment.

Automated Payments and Easy Renewals

Premiums are automatically deducted with each payroll run and sent directly to your carrier.3 Renewing your policy is simple. Policy renewals may result in an increase (or decrease) in premium based on any changes in the business or other factors.

Expert Support From Selection to Service

Our licensed Paychex Insurance Agency agents assess your business needs, compare coverage options and rates, and deliver a comprehensive insurance plan that aligns with your budget.

Integrated Payroll

When combined with Paychex payroll, premiums are calculated from actual wages — not estimates — helping reduce the risk of unexpected fees and optimizing your cash flow.

Reporting and Certificate Access

Access monthly and year-end reports detailing wages, payments, and deductions. We also provide easy access to your Certificate of Insurance for workers' comp, general liability, auto, or umbrella policies.

Safety Program

Maintain a safe work environment with the support of our off-site risk management team, who can handle medical treatment authorization, worker education, timely wage payments, and assist with return-to-work processes.

Contact Us Today!

Effortless Enrollment

Protecting your business and employees with workers' compensation coverage is easy with Paychex. You can get coverage on its own, or add it to any of our payroll or HR packages for seamless automated payments and renewals.

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Get Covered in 3 Easy Steps

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Receive a Free Consultation

Contact a licensed Paychex Insurance Agency representative to assess your business needs and compliance requirements.

Get Started

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Compare Coverage Options

We help you evaluate coverage options from leading carriers, compare rates, and customize a plan that aligns with your business and budget.

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Secure the Coverage You Need

Obtain a comprehensive insurance plan at competitive rates, supported by expert guidance and convenient billing options.

Real Testimonials From Businesses Like Yours

“We had a different kind of workers' compensation program and I found out very early on that when you don't have an eye on it right throughout the year, it can add up. [Now], we know exactly what we're paying at the end of the year and it's honestly helped us so much for our budgeting.”

— Audrey and Jordan Zybala, Owners, Lago 210

Owner of Lago210 talking about his workers' comp experience with Paychex
How Paychex Helped Lago 210
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Additional Solutions

Combining workers' comp with payroll, HR, and benefits on one platform eliminates juggling multiple vendors, logins, and support teams — saving you time and frustration.

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Professional Employer Organization (PEO)

Our PEO plan includes workers' comp for comprehensive protection.
Cards EPLI

Employment Practices Liability

Safeguard against the financial costs of employment-related claims.
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Business Owner’s Policy

Convenient bundle of general liability, property insurance and business interruption for small businesses.
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Cyber Liability

Protect against financial losses from data breaches and cyberattacks.

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Workers’ Compensation FAQ

  • Why Do I Need Workers’ Compensation Insurance?

    Why Do I Need Workers’ Compensation Insurance?

    Most states require businesses with employees to carry workers' comp insurance to cover work-related injuries or illnesses. It protects both employees and businesses from financial losses, lawsuits, and non-compliance with state regulations.

  • How Much Is Workers Compensation Insurance?

    How Much Is Workers Compensation Insurance?

    The cost of workers' comp insurance varies based on factors such as business size, location, industry, and claims history. Rates and requirements also differ by state. On average, premiums range from a few hundred to a few thousand dollars annually per $100,000 in payroll. Integrating Paychex Payroll with our Workers' Compensation Payment Service can help reduce the risk of additional year-end payments by calculating premiums based on actual wages.

  • Who Pays for Workers’ Compensation Insurance?

    Who Pays for Workers’ Compensation Insurance?

    Employers pay workers' comp premiums, which are calculated based on state requirements, payroll, risk exposure, industry, and work classification codes determined by the National Council on Compensation Insurance (NCCI) or state rating bureaus.

  • What Are the Four Types of Workers’ Compensation Programs?

    What Are the Four Types of Workers’ Compensation Programs?

    The four main types of workers’ compensation programs are:

    • Wage replacement (disability benefits): Covers a percentage of the employee's wages if they are temporarily or permanently unable to work.
    • Medical treatment: Covers the costs of treatments related to the employee's workplace injury or illness.
    • Vocational rehabilitation: Provides assistance to help injured or disabled employees return to work, including training, career counseling, and job search support.
    • Other benefits: Includes death benefits paid to families if the employee dies from a work-related injury or illness.
  • How Much Is Workers’ Compensation Insurance for Contractors?

    How Much Is Workers’ Compensation Insurance for Contractors?

    If you’re self-employed or a sole proprietor, check to see if your state requires you to carry workers’ compensation coverage. Insurance premiums will vary based on factors such as your location, payroll, claims history, and job classification.

  • Which Types of Employees Are Generally Not Covered by Workers’ Compensation Programs?

    Which Types of Employees Are Generally Not Covered by Workers’ Compensation Programs?

    States outline their own exclusions from workers’ compensation coverage, but generally independent contractors, freelancers, and volunteers aren’t automatically covered.

  • Is It Illegal Not To Have Workers’ Comp Insurance?

    Is It Illegal Not To Have Workers’ Comp Insurance?

    Find out if your state requires you to carry insurance for workers’ compensation. If your business doesn't have it but is required to, you could face costly penalties or even jail time, which vary by state. Securing a workers' comp policy is a good idea to protect your business and employees, even if not legally mandated.

  • Does Workers’ Compensation Come out of Your Paycheck?

    Does Workers’ Compensation Come out of Your Paycheck?

    Workers' comp premiums are paid by the employer in a lump sum or installments. Some businesses may base their premium payments on actual wages by integrating their policy with payroll processing, where a specific amount is withdrawn from their payroll account each payday.

  • What Is Workers’ Compensation And Why Is It Used?

    What Is Workers’ Compensation And Why Is It Used?

    Workers' compensation is an insurance that provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, protecting both employees and employers from financial losses and legal liabilities.

  • Do Small Businesses Need Workers’ Compensation Insurance?

    Do Small Businesses Need Workers’ Compensation Insurance?

    In most states, businesses with employees are required to carry workers' compensation insurance, regardless of their size. Even if not legally mandated, small businesses should consider coverage to protect against financial losses from workplace injuries.

  • What Is Considered A Workers Compensation Injury?

    What Is Considered A Workers Compensation Injury?

    A workers' compensation injury is any injury or illness that occurs in the course and scope of employment. This can include accidents, repetitive stress injuries, occupational diseases, and mental health conditions caused by work-related stress.

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