# Contractor insurance requirements by state

> Contractor insurance requirements for all 50 states and DC: workers' comp thresholds, license insurance minimums and anti-indemnity rules, with sources.

Reviewed Oct 28, 2026 by Forsured. Source: https://forsured.ai/coi-requirements/

| State | Workers' comp required at | License insurance minimum | Anti-indemnity statute voids |
| --- | --- | --- | --- |
| [Alabama](https://forsured.ai/coi-requirements/alabama/) | 5 employees; new homes 1 | No statewide minimum | No general statute |
| [Alaska](https://forsured.ai/coi-requirements/alaska/) | 1 employee | $50K/$100K BI, $20K PD | Sole negligence |
| [Arizona](https://forsured.ai/coi-requirements/arizona/) | 1 employee | No statewide minimum | Sole negligence; broader for private |
| [Arkansas](https://forsured.ai/coi-requirements/arkansas/) | 3 employees; building work 2 | No statewide minimum | Sole negligence |
| [California](https://forsured.ai/coi-requirements/california/) | 1 employee | Workers' comp on file; LLCs $1M | Sole negligence; active negligence on most private jobs |
| [Colorado](https://forsured.ai/coi-requirements/colorado/) | 1 employee | No statewide minimum | Own negligence, even in part; reaches additional insured |
| [Connecticut](https://forsured.ai/coi-requirements/connecticut/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [Delaware](https://forsured.ai/coi-requirements/delaware/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [District of Columbia](https://forsured.ai/coi-requirements/district-of-columbia/) | 1 employee | No statewide minimum | No general statute |
| [Florida](https://forsured.ai/coi-requirements/florida/) | 4 employees; construction 1 | $300K liability, $50K PD (GC) | Own negligence, unless capped |
| [Georgia](https://forsured.ai/coi-requirements/georgia/) | 3 employees | $500K GC; $300K residential | Sole negligence |
| [Hawaii](https://forsured.ai/coi-requirements/hawaii/) | 1 employee | Liability required | Sole negligence |
| [Idaho](https://forsured.ai/coi-requirements/idaho/) | 1 employee | $300K single limit | Sole negligence |
| [Illinois](https://forsured.ai/coi-requirements/illinois/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [Indiana](https://forsured.ai/coi-requirements/indiana/) | 1 employee | No statewide minimum | Sole negligence |
| [Iowa](https://forsured.ai/coi-requirements/iowa/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [Kansas](https://forsured.ai/coi-requirements/kansas/) | $20K annual payroll | No statewide minimum | Own negligence, even in part; reaches additional insured |
| [Kentucky](https://forsured.ai/coi-requirements/kentucky/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [Louisiana](https://forsured.ai/coi-requirements/louisiana/) | 1 employee | $100K (residential) | Own negligence, even in part |
| [Maine](https://forsured.ai/coi-requirements/maine/) | 1 employee | No statewide minimum | No general statute |
| [Maryland](https://forsured.ai/coi-requirements/maryland/) | 1 employee | $500K (home improvement) | Sole negligence |
| [Massachusetts](https://forsured.ai/coi-requirements/massachusetts/) | 1 employee | No statewide minimum | Losses the contractor didn't cause |
| [Michigan](https://forsured.ai/coi-requirements/michigan/) | 3 employees, or 1 full-time | No statewide minimum | Sole negligence |
| [Minnesota](https://forsured.ai/coi-requirements/minnesota/) | 1 employee | $100K/$300K + $25K PD (residential) | Own negligence, even in part |
| [Mississippi](https://forsured.ai/coi-requirements/mississippi/) | 5 employees | No statewide minimum | Own negligence, even in part |
| [Missouri](https://forsured.ai/coi-requirements/missouri/) | 5 employees; construction 1 | No statewide minimum | Own negligence, even in part |
| [Montana](https://forsured.ai/coi-requirements/montana/) | 1 employee | No statewide minimum | Own negligence, even in part; reaches additional insured |
| [Nebraska](https://forsured.ai/coi-requirements/nebraska/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [Nevada](https://forsured.ai/coi-requirements/nevada/) | 1 employee | Workers' comp proof | Residential contracts only |
| [New Hampshire](https://forsured.ai/coi-requirements/new-hampshire/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [New Jersey](https://forsured.ai/coi-requirements/new-jersey/) | 1 employee | $500K (home improvement) | Sole negligence |
| [New Mexico](https://forsured.ai/coi-requirements/new-mexico/) | 3 employees; construction 1 | No statewide minimum | Own negligence, even in part; reaches additional insured |
| [New York](https://forsured.ai/coi-requirements/new-york/) | 1 employee | No statewide minimum | Own negligence, even in part |
| [North Carolina](https://forsured.ai/coi-requirements/north-carolina/) | 3 employees | No statewide minimum | Own negligence, even in part |
| [North Dakota](https://forsured.ai/coi-requirements/north-dakota/) | 1 employee (state fund) | Liability certificate + WSI | No general statute |
| [Ohio](https://forsured.ai/coi-requirements/ohio/) | 1 employee (state fund) | No statewide minimum | Own negligence, even in part |
| [Oklahoma](https://forsured.ai/coi-requirements/oklahoma/) | 1 employee | No statewide minimum | Own negligence, even in part; reaches additional insured |
| [Oregon](https://forsured.ai/coi-requirements/oregon/) | 1 employee | $500K residential GC; $2M commercial L1 | Own negligence, even in part; reaches additional insured |
| [Pennsylvania](https://forsured.ai/coi-requirements/pennsylvania/) | 1 employee | $50K BI + $50K PD (home improvement) | Design professionals only |
| [Rhode Island](https://forsured.ai/coi-requirements/rhode-island/) | 1 employee | $500K liability | Own negligence, even in part |
| [South Carolina](https://forsured.ai/coi-requirements/south-carolina/) | 4 employees | No statewide minimum | Sole negligence |
| [South Dakota](https://forsured.ai/coi-requirements/south-dakota/) | Not required by law | No statewide minimum | Sole negligence |
| [Tennessee](https://forsured.ai/coi-requirements/tennessee/) | 5 employees; construction 1 | No statewide minimum | Sole negligence |
| [Texas](https://forsured.ai/coi-requirements/texas/) | Optional (required on public projects) | No statewide minimum | Own negligence, with exceptions; reaches additional insured |
| [Utah](https://forsured.ai/coi-requirements/utah/) | 1 employee | $100K/$300K (rising) | Sole negligence; reaches additional insured |
| [Vermont](https://forsured.ai/coi-requirements/vermont/) | 1 employee | No statewide minimum | No general statute |
| [Virginia](https://forsured.ai/coi-requirements/virginia/) | 3 employees (counting those working under you) | No statewide minimum | Sole negligence |
| [Washington](https://forsured.ai/coi-requirements/washington/) | 1 employee (state fund) | $200K + $50K PD, or $250K CSL | Sole negligence; shared fault limited |
| [West Virginia](https://forsured.ai/coi-requirements/west-virginia/) | All employers | No statewide minimum | Sole negligence |
| [Wisconsin](https://forsured.ai/coi-requirements/wisconsin/) | 3 employees, or $500 a quarter | $250K (dwelling contractors) | Own negligence, even in part |
| [Wyoming](https://forsured.ai/coi-requirements/wyoming/) | Most employers (state fund) | No statewide minimum | No general statute |

General information, not legal advice. Each state guide lists its sources.

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Forsured: construction insurance compliance software. https://forsured.ai · hello@forsured.ai