Household employers in Alabama are not required to get coverage for workers’ compensation insurance, but we recommend to do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Alaska are required to get coverage for workers’ compensation insurance. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. If families are unable to obtain coverage from a commercial carrier, they may purchase insurance through Alaska’s Assigned Risk Pool, which is administered by the National Council on Compensation Insurance (NCCI).

Household employers in Arizona are not required to get coverage for workers’ compensation insurance, but we recommend to do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Arkansas are not required to get coverage for workers’ compensation insurance, but we recommend to do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in California are required to carry a workers compensation insurance policy to help employees with medical expenses and lost wages from work-related injury or illness. These policies also provide protection to employers. Workers who accept benefits generally forfeit their right to sue the employer, regardless of fault.

Some level of workers’ compensation can be provided in homeowners insurance. Household employers should contact their insurance provider to see if their current plan is sufficient. If not, an enhancement can usually be added to cover a household employee. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Colorado are required to get coverage for workers’ compensation insurance if their employee works 40 or more hours or 5 days per week. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Connecticut are required to have workers’ compensation insurance if their employee works more than 26 hours per week. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Florida are not required to get coverage for workers’ compensation insurance unless they have 4 or more employees. However, we recommend all families have a policy in place to pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Georgia are not required to get coverage for workers’ compensation insurance, but we recommend all families do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Idaho are not required to get coverage for workers’ compensation insurance, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Illinois are required to carry a workers’ compensation insurance policy if any number of household employees work a total of 40 or more hours per week for 13 or more weeks during the year. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Indiana are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Iowa are required to get coverage for workers’ compensation insurance if their employee earns at least $1,500 in a 12 month period. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Kansas are required to carry a workers’ compensation insurance policy if their employee earns more than $20,000 in a calendar year. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Kentucky are not required to carry a workers’ compensation insurance policy unless they have 2 or more employees each working more than 40 hours per week. We recommend families have a policy in place as they pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Maine are not required to carry a workers’ compensation policy unless their employee provides nursing care. However, we recommend all families obtain coverage as these policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Maryland are required to carry a workers’ compensation insurance policy if their employee earns more than $1,000 in a calendar quarter. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Massachusetts are required to carry a workers’ compensation insurance policy if their employee works 16 hours or more per week. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Iowa are required to get coverage for workers’ compensation insurance if their employee earns at least $1,500 in a 12 month period. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Minnesota are required to carry a workers’ compensation insurance policy if their employee earns $1,000 or more during a calendar quarter. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Mississippi are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Missouri are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Montana are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Nebraska are required to carry a workers’ compensation policy unless their employee is a domestic servant. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Nevada are not required to carry a workers’ compensation insurance policy, however we recommend obtaining coverage. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in New Hampshire are required to get coverage for workers’ compensation insurance. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in New Jersey are required to get coverage for workers’ compensation insurance. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in New Mexico are not required to get coverage for workers’ compensation insurance, however we recommend obtaining coverage. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in New York with full-time employees (40+ hours/week or a live-in employee) are required to get coverage for workers’ compensation insurance. Disability insurance and paid family leave is also required for families with employees that work 20 or more hours per week.

Household employers in North Carolina are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in North Dakota are not required to carry a workers’ compensation insurance policy, but we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. To acquire a workers’ compensation policy, please contact the North Dakota Workforce Safety and Insurance at https://mywsi.workforcesafety.com/.

Household employers in Pennsylvania are not required to get coverage for workers’ compensation insurance, but we recommend all families do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Rhode Island are not required to get coverage for workers’ compensation insurance, but we recommend all families do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Tennessee are not required to carry a workers’ compensation insurance, however we advise all families to do so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Texas are not required to carry a workers’ compensation insurance policy, however we recommend doing so. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.

Household employers in Utah are required to carry a workers’ compensation insurance if their employee works 40 or more hours per week. These policies pay for medical expenses and lost wages if an employee has a work-related injury or illness. Obtain an instant quote and purchase a policy online, or contact our partner, Clarke White, at 804-267-1210 or clarke.white@rtspecialty.com.