Freelance consultant insurance requirements by state

State-by-state requirements for freelance consultants, each page built only from official sources with exact quotes and check dates (last full check 2026-09-05).

California freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Required for every employer with one or more employees (California Labor Code §3700).
Texas freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: NOT required for most private employers — Texas is the only big state where workers' compensation is elective…
Florida freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Construction-industry employers: required with one or more employees (owner-officers count). Outside construc…
New York freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Businesses applying for any permit, license or contract from a municipal or State entity must show appropriat…
Pennsylvania freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Mandatory for most employers under Pennsylvania law; operating without it risks employee lawsuits and crimina…
Illinois freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Employers covered by the Act must insure their full compensation liability with a licensed Illinois carrier o…
Ohio freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Ohio runs a state insurance fund: private employers obtain coverage by paying premiums into the state fund ad…
Georgia freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Required for any business with three or more workers, including regular part-time workers.
North Carolina freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Businesses covered by the NC Workers' Compensation Act — in general, those with three or more regular employe…
Michigan freelance consultant insurance requirements1 of 2 rows verified · workers’ comp: Nearly all Michigan employers are subject to the Workers' Disability Compensation Act and must assure that be…