California
What the California authorities publish about business insurance, quoted directly, with a link and a date on every answer.
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.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
From how many employees is workers’ compensation required in California?
The California Division of Workers’ Compensation states that the requirement applies from the first employee — a business employing one or more people must satisfy it.
“If a business employs one or more employees, then it must satisfy the requirement of the law.”
Which California vehicles must carry insurance?
The California Department of Motor Vehicles states that insurance, also referred to as financial responsibility, is required on all vehicles operated or parked on California roads. The Department publishes that evidence of it must be carried in the vehicle at all times and produced on request by law enforcement, at registration renewal, and after a collision.
“Insurance (also referred to as financial responsibility) is required on all vehicles operated or parked on California roads.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.