Requirements and Regulations:
California: Workers’ compensation insurance is mandatory for all employers, regardless of the number of employees. It covers medical expenses, temporary and permanent disability benefits, vocational rehabilitation, and death benefits. Failure to carry proper coverage can result in significant penalties and legal consequences.
Arizona: Arizona requires employers to carry workers’ compensation insurance if they have one or more employees. This coverage ensures that employees receive necessary medical treatment and compensation for lost wages. Complying with this requirement helps businesses avoid costly fines and penalties.
New Mexico: New Mexico law mandates workers’ compensation insurance for most employers, including those with three or more employees. It offers medical benefits, disability income, rehabilitation services, and death benefits to injured workers or their dependents. Complying with this requirement is crucial for businesses to protect their employees and maintain legal compliance.
Michigan: Employers must provide workers’ compensation coverage to all employees, including full-time, part-time, and seasonal workers. This coverage offers medical benefits, wage loss compensation, vocational rehabilitation, and death benefits. Non-compliance can result in severe penalties, making it essential for businesses to obtain proper insurance coverage.
Texas: Workers’ compensation insurance in Texas is not mandatory for most private employers. However, opting out of the system may expose businesses to potential lawsuits. Employers can choose to carry workers’ compensation insurance to protect their employees and provide benefits such as medical treatment and wage replacement in the event of work-related injuries.