By state

Insurance rules are written state by state. So are our pages.

Requirements change at every state line. The table below is the detail for the largest markets — what is mandatory, what it costs, and which filings actually apply.

TexasCompetitive
TX
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Texas Department of Insurance, Division of Workers’ Compensation — confirm yours there or with a licensed producer.
CaliforniaState fund competes
CA
A state fund operates alongside private carriers, so both are worth quoting. Thresholds, filings and deadlines are set and changed by the California Department of Industrial Relations, Division of Workers’ Compensation — confirm yours there or with a licensed producer.
FloridaCompetitive
FL
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Florida Department of Financial Services, Division of Workers’ Compensation — confirm yours there or with a licensed producer.
New YorkState fund competes
NY
A state fund operates alongside private carriers, so both are worth quoting. Thresholds, filings and deadlines are set and changed by the New York State Workers’ Compensation Board — confirm yours there or with a licensed producer.
GeorgiaCompetitive
GA
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Georgia State Board of Workers’ Compensation — confirm yours there or with a licensed producer.
IllinoisCompetitive
IL
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Illinois Workers’ Compensation Commission — confirm yours there or with a licensed producer.
OhioMonopolistic
OH
Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Ohio Bureau of Workers’ Compensation — confirm yours there or with a licensed producer.
WashingtonMonopolistic
WA
Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Washington State Department of Labor & Industries — confirm yours there or with a licensed producer.
North DakotaMonopolistic
ND
Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the North Dakota Workforce Safety & Insurance — confirm yours there or with a licensed producer.
WyomingMonopolistic
WY
Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Wyoming Department of Workforce Services — confirm yours there or with a licensed producer.

State	What is specific there	Comp market
Texas TX	A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Texas Department of Insurance, Division of Workers’ Compensation — confirm yours there or with a licensed producer.	Competitive
California CA	A state fund operates alongside private carriers, so both are worth quoting. Thresholds, filings and deadlines are set and changed by the California Department of Industrial Relations, Division of Workers’ Compensation — confirm yours there or with a licensed producer.	State fund competes
Florida FL	A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Florida Department of Financial Services, Division of Workers’ Compensation — confirm yours there or with a licensed producer.	Competitive
New York NY	A state fund operates alongside private carriers, so both are worth quoting. Thresholds, filings and deadlines are set and changed by the New York State Workers’ Compensation Board — confirm yours there or with a licensed producer.	State fund competes
Georgia GA	A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Georgia State Board of Workers’ Compensation — confirm yours there or with a licensed producer.	Competitive
Illinois IL	A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Illinois Workers’ Compensation Commission — confirm yours there or with a licensed producer.	Competitive
Ohio OH	Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Ohio Bureau of Workers’ Compensation — confirm yours there or with a licensed producer.	Monopolistic
Washington WA	Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Washington State Department of Labor & Industries — confirm yours there or with a licensed producer.	Monopolistic
North Dakota ND	Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the North Dakota Workforce Safety & Insurance — confirm yours there or with a licensed producer.	Monopolistic
Wyoming WY	Workers’ compensation is bought from the state — there is no private market here. Thresholds, filings and deadlines are set and changed by the Wyoming Department of Workforce Services — confirm yours there or with a licensed producer.	Monopolistic

In the four monopolistic states, workers comp cannot be bought from a private carrier at all — you buy it from the state and we place everything else around it.

Every state we have sourced

Each of these has its own page, quoting the authority that publishes the rule, with a link and the date we last confirmed it. A state missing from this list has no sourced answer yet, so it has no page — we would rather show you nothing than something we cannot stand behind.