Workers' compensation follows where your people actually work, not where the company is registered. Employment claims follow headcount.
Ranges commonly seen. Your contracts and exposure decide the answer.
If any of these are true right now, this is the situation you're in.
Workers' compensation is a statutory obligation in nearly every state once you have employees, and it is written state by state. A distributed team typically needs more states on the policy, not fewer. Ohio, North Dakota, Washington and Wyoming require coverage from a state fund rather than a private carrier, which catches companies out when the first hire lands there.
Employment practices liability is the other half. A technology company is far more likely to face an employment claim than a securities claim or a catastrophic breach, and the probability rises sharply with headcount, with hiring across states, and with any reduction in force. California, New York, New Jersey and Illinois are meaningfully more active jurisdictions.
This is maintenance work rather than a one-time purchase, and it is exactly the kind of thing that gets forgotten until an audit or a claim. We keep the state schedule current as you hire.
In priority order, with the reason each one is on the list.
You tell us about the business once. We review your submission and come back with anything still outstanding.
Contracts, exposures, limits and requirements checked against what you actually need to carry — and what you don't.
We approach carrier and wholesale markets suited to the risk, with a submission built to be read rather than skimmed.
Options land in your portal as markets respond, compared side by side — including the exclusions that decide whether a claim pays.
We coordinate binding with the carrier as soon as you choose, and issue certificates once coverage is confirmed in writing.
Yes. Obligations follow where the employee works. A fully remote team usually needs more states on the policy than an office-based one.
Generally yes while you are on it. The risk is the transition — coming off a PEO without a policy in force on day one leaves a real gap, and customers will still ask for a certificate in your own name.
Ohio, North Dakota, Washington and Wyoming require workers' compensation from a state fund. Private carriers cannot write it, and you also need a stop-gap employers liability endorsement.
Build a SaaS insurance checklist around customer contracts, data, employees and funding. Know what to prepare before requesting quotes.
Read the guide: SaaS Insurance Checklist for Founders and Finance TeamsTell us what changed. A broker reads it the same business day and comes back with what it means and what it costs.
