Workers` Compensation Insurance by State
NCCI
Monopolistic
Other
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
State:
Alabama
NCCI
NCCI
State:
Alaska
NCCI
NCCI
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Arizona
NCCI
NCCI
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Arkansas
NCCI
NCCI
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California
NCCI
OTHER
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Colorado
NCCI
NCCI
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Connecticut
NCCI
NCCI
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Delaware
NCCI
OTHER
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District of Columbia
NCCI
NCCI
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Florida
NCCI
NCCI
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Georgia
NCCI
NCCI
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Hawaii
NCCI
NCCI
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Idaho
NCCI
NCCI
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Illinois
NCCI
NCCI
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Indiana
NCCI
OTHER
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Iowa
NCCI
NCCI
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Kansas
NCCI
NCCI
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Kentucky
NCCI
NCCI
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Louisiana
NCCI
NCCI
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Maine
NCCI
NCCI
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Maryland
NCCI
NCCI
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Massachusetts
NCCI
OTHER
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Michigan
NCCI
OTHER
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Minnesota
NCCI
OTHER
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Mississippi
NCCI
NCCI
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Missouri
NCCI
NCCI
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Montana
NCCI
NCCI
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Nebraska
NCCI
NCCI
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Nevada
NCCI
NCCI
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New Hampshire
NCCI
NCCI
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New Jersey
NCCI
OTHER
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New Mexico
NCCI
NCCI
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New York
NCCI
OTHER
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North Carolina
NCCI
OTHER
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North Dakota
NCCI
MONOPOLOSTIC
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Ohio
NCCI
MONOPOLOSTIC
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Oklahoma
NCCI
NCCI
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Oregon
NCCI
OTHER
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Pennsylvania
NCCI
OTHER
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Rhode Island
NCCI
NCCI
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South Carolina
NCCI
NCCI
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South Dakota
NCCI
NCCI
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Tennessee
NCCI
NCCI
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Texas
NCCI
OTHER
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Utah
NCCI
NCCI
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Vermont
NCCI
NCCI
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Virginia
NCCI
NCCI
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Washington
NCCI
MONOPOLOSTIC
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West Virginia
NCCI
OTHER
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Wisconsin
NCCI
NCCI
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Wyoming
NCCI
MONOPOLOSTIC
Alabama
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Alabama
Workers' compensation coverage can be provided by the PEO or client/co-employer, as specified in the service agreement.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Alabama Department of Industrial Relations
State Specific Requirements for PEOs in Alabama
Workers' compensation coverage can be provided by the PEO or client/co-employer, as specified in the service agreement.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Alabama Department of Industrial Relations
Alaska
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Alaska
Workers' compensation coverage can be provided by the PEO or client/co-employer, although the PEO is not formally recognized in Alaska statutes.
Exclusive remedy benefits will likely apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Alaska Division of Workers' Compensation
State Specific Requirements for PEOs in Alaska
Workers' compensation coverage can be provided by the PEO or client/co-employer, although the PEO is not formally recognized in Alaska statutes.
Exclusive remedy benefits will likely apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Alaska Division of Workers' Compensation
Arizona
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Arizona
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Industrial Commission of Arizona
State Specific Requirements for PEOs in Arizona
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Industrial Commission of Arizona
Arkansas
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI:
State Specific Requirements for PEOs in Arkansas
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both a licensed PEO and client/co-employer.
Agency Web Site: Arkansas Workers' Compensation Commission
State Specific Requirements for PEOs in Arkansas
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both a licensed PEO and client/co-employer.
Agency Web Site: Arkansas Workers' Compensation Commission
California
NCCI
OTHER
MCP
Yes
Workers Compensation Information
Rating Bureau: Workers' Compensation Insurance Rating Bureau of California
State Specific Requirements for PEOs in California
Workers' compensation coverage can be provided by the PEO or Client/Co-employer. Master Policy and/or Multiple Coordinated Policy provisions may apply.
Exclusive remedy benefits apply to both PEO and client/co-employer with valid contract.
Agency Web Site: California Dept. of Industrial Relations
State Specific Requirements for PEOs in California
Workers' compensation coverage can be provided by the PEO or Client/Co-employer. Master Policy and/or Multiple Coordinated Policy provisions may apply.
Exclusive remedy benefits apply to both PEO and client/co-employer with valid contract.
Agency Web Site: California Dept. of Industrial Relations
Colorado
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Colorado
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer under "borrowed employee" interpretation; See:Statute 8-41-401 - Lessor Contractor Rule
Agency Web Site: Colorado Division of Workers' Compensation
State Specific Requirements for PEOs in Colorado
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer under "borrowed employee" interpretation; See:Statute 8-41-401 - Lessor Contractor Rule
Agency Web Site: Colorado Division of Workers' Compensation
Connecticut
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Connecticut
Workers' compensation coverage can be provided by the PEO or client/co-employer, using an MCP format.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Connecticut Workers' Compensation Commission
State Specific Requirements for PEOs in Connecticut
Workers' compensation coverage can be provided by the PEO or client/co-employer, using an MCP format.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Connecticut Workers' Compensation Commission
Delaware
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Delaware Compensation Rating Bureau, Inc.
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits may not apply to both PEO and client/co-employer, since the PEO is not legally recognized as the employer in Delaware (case law not yet established).
Agency Web Site: Delaware Office of Worker's Compensation
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits may not apply to both PEO and client/co-employer, since the PEO is not legally recognized as the employer in Delaware (case law not yet established).
Agency Web Site: Delaware Office of Worker's Compensation
District of Columbia
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
Specific Requirements for PEO
Exclusive Remedy applies to the PEO and the Client under normal circumstances.
Agency Web Site: District of Columbia - Office of Workers' Compensation
Specific Requirements for PEO
Exclusive Remedy applies to the PEO and the Client under normal circumstances.
Agency Web Site: District of Columbia - Office of Workers' Compensation
Florida
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Florida
Workers' Compensation Liability Statement Application Package
Workers' Compensation and Release Authorization (Form DBPR EL-4520)
Workers' Compensation Quarterly Compliance Form (Form DBPR EL-4522)
Workers' compensation coverage can be provided by either the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Dept. of Financial Services - Division of Workers' Compensation
State Specific Requirements for PEOs in Florida
Workers' Compensation Liability Statement Application Package
Workers' Compensation and Release Authorization (Form DBPR EL-4520)
Workers' Compensation Quarterly Compliance Form (Form DBPR EL-4522)
Workers' compensation coverage can be provided by either the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Dept. of Financial Services - Division of Workers' Compensation
Georgia
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI:
State Specific Requirements for PEOs in Georgia
Workers' compensation coverage can be provided by either the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Georgia State Board of Workers' Compensation
State Specific Requirements for PEOs in Georgia
Workers' compensation coverage can be provided by either the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Georgia State Board of Workers' Compensation
Hawaii
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Hawaii Disability Compensation Division
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Hawaii Disability Compensation Division
Idaho
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI:
State Specific Requirements for PEOs in Idaho
Workers' compensation coverage is provided by the PEO.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Idaho Industrial Commission
State Specific Requirements for PEOs in Idaho
Workers' compensation coverage is provided by the PEO.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Idaho Industrial Commission
Illinois
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI:
State Specific Requirements for PEOs in Illinois
Workers' compensation coverage can be provided by a registered PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
See: Employee Leasing Company Act (215 ILCS 113/)
Agency Web Site: Illinois Division of Insurance
State Specific Requirements for PEOs in Illinois
Workers' compensation coverage can be provided by a registered PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
See: Employee Leasing Company Act (215 ILCS 113/)
Agency Web Site: Illinois Division of Insurance
Indiana
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Indiana Compensation Rating Bureau
State Specific Requirements for PEOs in Indiana
Workers' compensation coverage can be provided by the PEO or client/co-employer, as specified in the service agreement.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer.
Agency Web Site: Indiana Workers' Compensation Board
State Specific Requirements for PEOs in Indiana
Workers' compensation coverage can be provided by the PEO or client/co-employer, as specified in the service agreement.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer.
Agency Web Site: Indiana Workers' Compensation Board
Iowa
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Iowa
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Iowa Division of Workers' Compensation
State Specific Requirements for PEOs in Iowa
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Iowa Division of Workers' Compensation
Kansas
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Kansas
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer under the borrowed servant doctrine, assuming all employees are covered.
Agency Web Site: Kansas Dept. of Labor - Division of Workers' Compensation
State Specific Requirements for PEOs in Kansas
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer under the borrowed servant doctrine, assuming all employees are covered.
Agency Web Site: Kansas Dept. of Labor - Division of Workers' Compensation
Kentucky
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Kentucky
Workers' compensation coverage can be provided by the PEO or Client/Co-employer; however, Kentucky law allows employee to voluntarily opt out of workers' compensation coverage.
Exclusive remedy applies to both the registered PEO and Client for all covered employees.
Agency Web Site: Kentucky Labor Cabinet - Dept. of Workers' Claims
State Specific Requirements for PEOs in Kentucky
Workers' compensation coverage can be provided by the PEO or Client/Co-employer; however, Kentucky law allows employee to voluntarily opt out of workers' compensation coverage.
Exclusive remedy applies to both the registered PEO and Client for all covered employees.
Agency Web Site: Kentucky Labor Cabinet - Dept. of Workers' Claims
Louisiana
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Louisiana
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Louisiana Workforce Commission - Workers' Compensation
State Specific Requirements for PEOs in Louisiana
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Louisiana Workforce Commission - Workers' Compensation
Maine
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
Workers compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive Remedy applies to the PEO and the Client if coverage is in effect.
Agency Web Site: Maine Workers' Compensation Board
Workers compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive Remedy applies to the PEO and the Client if coverage is in effect.
Agency Web Site: Maine Workers' Compensation Board
Maryland
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Maryland
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Maryland Workers' Compensation Commission
State Specific Requirements for PEOs in Maryland
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Maryland Workers' Compensation Commission
Massachusetts
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Workers' Compensation Rating and Inspection Bureau of Massachusetts
State Specific Requirements for PEOs in Massachusetts
Workers' compensation coverage can be provided by the PEO or client/co-employer, using an MCP format; however, the PEO may be subject to additional requirements and conditions established by the Commissioner of Insurance.
See: http://www.mass.gov/lwd/unemployment-insur/resources/regulations/for-businesses/regulations-relating-to-leasing-companies-and.html}
Massachusetts - Workers' Compensation Employee Leasing Supplemental Application
Exclusive remedy benefits will apply to both PEO and client/co-employer in most cases, assuming all employees are covered.
Agency Web Site: Department of Industrial Accidents
State Specific Requirements for PEOs in Massachusetts
Workers' compensation coverage can be provided by the PEO or client/co-employer, using an MCP format; however, the PEO may be subject to additional requirements and conditions established by the Commissioner of Insurance.
See: http://www.mass.gov/lwd/unemployment-insur/resources/regulations/for-businesses/regulations-relating-to-leasing-companies-and.html}
Massachusetts - Workers' Compensation Employee Leasing Supplemental Application
Exclusive remedy benefits will apply to both PEO and client/co-employer in most cases, assuming all employees are covered.
Agency Web Site: Department of Industrial Accidents
Michigan
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Compensation Advisory Organization of Michigan (CAOM)
State Specific Requirements for PEOs in Michigan
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both the PEO and client/co-employer, if coverage is in effect.
Agency Web Site: Michigan Workers' Compensation Agency
State Specific Requirements for PEOs in Michigan
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both the PEO and client/co-employer, if coverage is in effect.
Agency Web Site: Michigan Workers' Compensation Agency
Minnesota
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Minnesota Workers' Compensation Insurers Association
State Specific Requirements for PEOs in Minnesota
See: Minnesota - Employee Leasing Rules and Endorsements
Exclusive remedy protection will most likely apply to both the PEO and client, assuming coverage is in place.
Agency Web Site: Minnesota Department of Labor and Industry
State Specific Requirements for PEOs in Minnesota
See: Minnesota - Employee Leasing Rules and Endorsements
Exclusive remedy protection will most likely apply to both the PEO and client, assuming coverage is in place.
Agency Web Site: Minnesota Department of Labor and Industry
Mississippi
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Mississippi
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Mississippi Workers' Compensation Commission
State Specific Requirements for PEOs in Mississippi
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Mississippi Workers' Compensation Commission
Missouri
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Missouri
Workers' Compensation Law - Employee Leasing Arrangements, Coverage Required
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Missouri Dept. of Labor - Division of Workers' Compensation
State Specific Requirements for PEOs in Missouri
Workers' Compensation Law - Employee Leasing Arrangements, Coverage Required
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Missouri Dept. of Labor - Division of Workers' Compensation
Montana
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI
See NCCI guide to state specific PEO arrangements for Montana
State Specific Requirements for PEOs in Montana
PEO must provide the workers' compensation coverage for all client worksite employees.
See: Montana - PEO Workers' Compensation Insurer Requirements
Exclusive remedy benefits apply to both a licensed PEO and client/co-employer, under normal circumstances.
Agency Web Site: Montana Employment Relations Division
See NCCI guide to state specific PEO arrangements for Montana
State Specific Requirements for PEOs in Montana
PEO must provide the workers' compensation coverage for all client worksite employees.
See: Montana - PEO Workers' Compensation Insurer Requirements
Exclusive remedy benefits apply to both a licensed PEO and client/co-employer, under normal circumstances.
Agency Web Site: Montana Employment Relations Division
Nebraska
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI:
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Nebraska Workers' Compensation Court
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: Nebraska Workers' Compensation Court
Nevada
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Nevada
Registered PEO must provide the workers’ compensation coverage on an MCP basis.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all registration and regulatory requirements are met.
Agency Web Site: Nevada Department of Business & Industry
State Specific Requirements for PEOs in Nevada
Registered PEO must provide the workers’ compensation coverage on an MCP basis.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all registration and regulatory requirements are met.
Agency Web Site: Nevada Department of Business & Industry
New Hampshire
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in New Hampshire
Workers compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer.
Agency Web Site: New Hampshire Workers' Compensation Division
State Specific Requirements for PEOs in New Hampshire
Workers compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer.
Agency Web Site: New Hampshire Workers' Compensation Division
New Jersey
NCCI
OTHER
MCP
Yes
Workers Compensation Information
Rating Bureau: New Jersey Compensation Rating and Inspection Bureau
State Specific Requirements for PEOs in New Jerseys
PEO to provide workers’ compensation insurance for all co-employees on an MCP basis; client must provide coverage for any non-leased employees.
Exclusive remedy applies to the Client and to the registered PEO.
Agency Web Site: Division of Workers' Compensation
State Specific Requirements for PEOs in New Jerseys
PEO to provide workers’ compensation insurance for all co-employees on an MCP basis; client must provide coverage for any non-leased employees.
Exclusive remedy applies to the Client and to the registered PEO.
Agency Web Site: Division of Workers' Compensation
New Mexico
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in New Mexico
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both the registered PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: New Mexico Workers' Compensation Administration
State Specific Requirements for PEOs in New Mexico
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both the registered PEO and client/co-employer, assuming all employees are covered.
Agency Web Site: New Mexico Workers' Compensation Administration
New York
NCCI
OTHER
MCP
Yes
Workers Compensation Information
Rating Bureau: New York Compensation Insurance Rating Board
State Specific Requirements for PEOs in New York (per NCCI)
Workers' compensation coverage must be provided by both the PEO and the client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: NYS Workers' Compensation Bureau
State Specific Requirements for PEOs in New York (per NCCI)
Workers' compensation coverage must be provided by both the PEO and the client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: NYS Workers' Compensation Bureau
North Carolina
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: North Carolina Rate Bureau (NCRB)
State Specific Requirements for PEOs in North Carolina
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered by a workers’ compensation policy.
Agency Web Site: N.C. Industrial Commission - Workers' Compensation
State Specific Requirements for PEOs in North Carolina
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered by a workers’ compensation policy.
Agency Web Site: N.C. Industrial Commission - Workers' Compensation
North Dakota
NCCI
MONOPOLOSTIC
MCP
No
Workers Compensation Information
Rating Bureau: Monopolistic state
PEO can provide coverage on an MCP basis.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming the PEO is deemed to be a "Staffing Service".
See: North Dakota - Coverage for Staffing Services
Agency Web Site: North Dakota Workforce Safety & Insurance
PEO can provide coverage on an MCP basis.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming the PEO is deemed to be a "Staffing Service".
See: North Dakota - Coverage for Staffing Services
Agency Web Site: North Dakota Workforce Safety & Insurance
Ohio
NCCI
MONOPOLOSTIC
MCP
No
Workers Compensation Information
Monopolistic State - State Fund Required
Rating Bureau: NCCI rates are used. See: Ohio Administrative Code 4123-17-08
The Ohio Bureau of Workers' Compensation is the agency responsible for registering and monitoring PEOs in the state.
PEO Registration Application
Bureau of Workers' Compensation - PEO Guidelines
Workers' compensation coverage is provided by the PEO.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Ohio Bureau of Workers' Compensation
Rating Bureau: NCCI rates are used. See: Ohio Administrative Code 4123-17-08
The Ohio Bureau of Workers' Compensation is the agency responsible for registering and monitoring PEOs in the state.
PEO Registration Application
Bureau of Workers' Compensation - PEO Guidelines
Workers' compensation coverage is provided by the PEO.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Ohio Bureau of Workers' Compensation
Oklahoma
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
Service Agreement must specify whether the PEO or client/co-employer will secure workers' compensation coverage (pursuant to 40 O.S. § 600.7 (C)(4)).
Exclusive remedy benefits apply to both PEO and client/co-employer (pursuant to 40 O.S. § 600.7(E)).
Agency Web Site: Oklahoma Workers' Compensation Court
Service Agreement must specify whether the PEO or client/co-employer will secure workers' compensation coverage (pursuant to 40 O.S. § 600.7 (C)(4)).
Exclusive remedy benefits apply to both PEO and client/co-employer (pursuant to 40 O.S. § 600.7(E)).
Agency Web Site: Oklahoma Workers' Compensation Court
Oregon
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
Specific State Requirements for PEO
PEO must provide coverage for all client work site co-employees, unless an exception is granted.
See: Oregon - Employee Leasing Bulletin No. 273
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Oregon Dept. of Consumer & Business Services
Specific State Requirements for PEO
PEO must provide coverage for all client work site co-employees, unless an exception is granted.
See: Oregon - Employee Leasing Bulletin No. 273
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Oregon Dept. of Consumer & Business Services
Pennsylvania
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Pennsylvania Compensation Rating Bureau
State Specific Requirements for PEOs in Pennsylvania (per NCCI)
Workers' compensation coverage may be provided by the PEO or client/co-employer, depending on the degree of "direction & control". See:
Bureau of Workers' Compensation - PEO Coverage Responsibilities Clarified
Exclusive remedy benefits should apply to both PEO and client/co-employer; however, "direction & control" issues may apply.
Agency Web Site: Dept. of Labor & Industry - Bureau of Workers' Compensation
State Specific Requirements for PEOs in Pennsylvania (per NCCI)
Workers' compensation coverage may be provided by the PEO or client/co-employer, depending on the degree of "direction & control". See:
Bureau of Workers' Compensation - PEO Coverage Responsibilities Clarified
Exclusive remedy benefits should apply to both PEO and client/co-employer; however, "direction & control" issues may apply.
Agency Web Site: Dept. of Labor & Industry - Bureau of Workers' Compensation
Rhode Island
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Rhode Island
Workers' compensation coverage can be provided by the PEO or client/co-employer; however, each party must receive a certificate of insurance from the other party's carrier.
See: Rhode Island - Employee Leasing Workers' Compensation Regulation
Exclusive remedy benefits apply to both the certified PEO and client/co-employer.
Agency Web Site: Rhode Island Division of Workers' Compensation
State Specific Requirements for PEOs in Rhode Island
Workers' compensation coverage can be provided by the PEO or client/co-employer; however, each party must receive a certificate of insurance from the other party's carrier.
See: Rhode Island - Employee Leasing Workers' Compensation Regulation
Exclusive remedy benefits apply to both the certified PEO and client/co-employer.
Agency Web Site: Rhode Island Division of Workers' Compensation
South Carolina
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in South Carolina
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: S.C. Workers' Compensation Commission
State Specific Requirements for PEOs in South Carolina
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: S.C. Workers' Compensation Commission
South Dakota
NCCI
NCCI
MCP
Yes
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in South Dakota
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: South Dakota Dept. of Labor - Workers' Compensation
State Specific Requirements for PEOs in South Dakota
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: South Dakota Dept. of Labor - Workers' Compensation
Tennessee
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Tennessee
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Tennessee Dept. of Labor & Workforce Development
State Specific Requirements for PEOs in Tennessee
Workers' compensation coverage can be provided by the PEO or client/co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer.
Agency Web Site: Tennessee Dept. of Labor & Workforce Development
Texas
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: Texas Dept. of Insurance
State Specific Requirements for PEOs in Texas
Workers' compensation coverage can be provided by the PEO or client/co-employer; however, workers' compensation insurance is optional coverage in Texas.
See: Texas Labor Code - Workers' Compensation Insurance Coverage
Exclusive remedy benefits apply to both licensed PEO and client/co-employer, if coverage is provided.
Agency Web Site: Texas Dept. of insurance - Division of Workers' Compensation
State Specific Requirements for PEOs in Texas
Workers' compensation coverage can be provided by the PEO or client/co-employer; however, workers' compensation insurance is optional coverage in Texas.
See: Texas Labor Code - Workers' Compensation Insurance Coverage
Exclusive remedy benefits apply to both licensed PEO and client/co-employer, if coverage is provided.
Agency Web Site: Texas Dept. of insurance - Division of Workers' Compensation
Utah
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Utah
Workers' compensation coverage can be provided by the PEO or client/co-employer. If provided by the PEO, the client must be listed as an additional named insured.
Exclusive remedy provisions apply to both the Client and a licensed PEO, assuming coverage is in place for all employees.
Agency Web Site: Utah Labor Commission - Division of Industrial Accidents
State Specific Requirements for PEOs in Utah
Workers' compensation coverage can be provided by the PEO or client/co-employer. If provided by the PEO, the client must be listed as an additional named insured.
Exclusive remedy provisions apply to both the Client and a licensed PEO, assuming coverage is in place for all employees.
Agency Web Site: Utah Labor Commission - Division of Industrial Accidents
Vermont
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Vermont
Workers' compensation coverage can be provided by the PEO or client/co-employer, but client modifier must be used if one exists.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer, if coverage is in effect.
Agency Web Site: Vermont Department of Labor
State Specific Requirements for PEOs in Vermont
Workers' compensation coverage can be provided by the PEO or client/co-employer, but client modifier must be used if one exists.
Exclusive remedy benefits apply to both the licensed PEO and client/co-employer, if coverage is in effect.
Agency Web Site: Vermont Department of Labor
Virginia
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Virginia
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered by a workers’ compensation policy.
Agency Web Site: Virginia Workers' Compensation Commission
State Specific Requirements for PEOs in Virginia
Workers' compensation coverage can be provided by the PEO or Client/Co-employer.
Exclusive remedy benefits apply to both PEO and client/co-employer, assuming all employees are covered by a workers’ compensation policy.
Agency Web Site: Virginia Workers' Compensation Commission
Washington
NCCI
MONOPOLOSTIC
MCP
No
Workers Compensation Information
Rating Bureau: Monopolistic State
Workers' Compensation, referred to as "Industrial Insurance" in Washington State, must be provided by Client; however, PEO must establish an industrial insurance subaccount for each client account.
See: Washington State - Directive for Dual Employers
Exclusive remedy might not extended to the PEO, depending on the circumstances.
Agency Web Site: Washington State Department of Labor & Industries
Workers' Compensation, referred to as "Industrial Insurance" in Washington State, must be provided by Client; however, PEO must establish an industrial insurance subaccount for each client account.
See: Washington State - Directive for Dual Employers
Exclusive remedy might not extended to the PEO, depending on the circumstances.
Agency Web Site: Washington State Department of Labor & Industries
West Virginia
NCCI
OTHER
MCP
No
Workers Compensation Information
Rating Bureau: See: www.brickstreet.com
West Virginia requires PEO registration.
See: Employee Leasing Regulations
Exclusive remedy applies to the PEO & Client.
Agency Web Site: West Virginia Offices of the Insurance Commissioner
Also see: www.brickstreet.com
West Virginia requires PEO registration.
See: Employee Leasing Regulations
Exclusive remedy applies to the PEO & Client.
Agency Web Site: West Virginia Offices of the Insurance Commissioner
Also see: www.brickstreet.com
Wisconsin
NCCI
NCCI
MCP
No
Workers Compensation Information
Rating Bureau: NCCI
State Specific Requirements for PEOs in Wisconsin
PEO is required to provide workers’ compensation coverage.
Exclusive remedy benefits will likely apply to both PEO and client/co-employer, assuming all employees are covered and the injury was unintentional; however, there is no firm guideline on who is deemed the employer.
See: Wisconsin - PEO/Client Reporting Requirement
See: Wisconsin - PEO/Client Reporting Form
Agency Web Site: Wisconsin Dept. of Workplace Development - Worker's Compensation
State Specific Requirements for PEOs in Wisconsin
PEO is required to provide workers’ compensation coverage.
Exclusive remedy benefits will likely apply to both PEO and client/co-employer, assuming all employees are covered and the injury was unintentional; however, there is no firm guideline on who is deemed the employer.
See: Wisconsin - PEO/Client Reporting Requirement
See: Wisconsin - PEO/Client Reporting Form
Agency Web Site: Wisconsin Dept. of Workplace Development - Worker's Compensation
Wyoming
NCCI
MONOPOLOSTIC
MCP
No
Workers Compensation Information
Rating Bureau: Monopolistic State: Rates Set by Industry Group.
See: Wyoming - Rates & Classifications
Coverage must be in client’s name; PEO must be named as an additional insured on the worker compensation coverage to obtain exclusive remedy benefits.
Agency Web Site: Wyoming - Department of Employment
See: Wyoming - Rates & Classifications
Coverage must be in client’s name; PEO must be named as an additional insured on the worker compensation coverage to obtain exclusive remedy benefits.
Agency Web Site: Wyoming - Department of Employment
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