Do Remote Employees Need Workers’ Comp?
Remote employees usually remain subject to workers’ compensation rules; the employee’s work state can determine where you need coverage.
The NAIC advises businesses to check state rules for their own operations.
List every work location, including home addresses, and ask which state must appear on the policy. Check the policy’s state schedule and tell the insurer before an employee relocates.
Coverage Guides Related to Workers’ Compensation Insurance
Sources for Workers’ Compensation Insurance Answers
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-25.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-25.
- State Workers’ Compensation Officials. U.S. Department of Labor; State and territory workers’ compensation contacts. Accessed 2026-09-25.
- Rule 5 - Policy and Endorsements. North Carolina Rate Bureau; Standard policy WC 00 00 00 C: Part One Workers Compensation; Part Two Employers Liability; Part Three Other States Insurance. Accessed 2026-09-25.