State-by-state requirement read
Get to a fast requirement read without bouncing between insurance blogs, quote funnels, and agency PDFs.
Workers comp requirement checker
Know when workers comp is required.
Get a fast first-pass read by state, employee count, owner elections, and carve-out risk, then verify from the official source before anything turns into policy paperwork.
Start the requirement checker
Official source links and as-of dates stay attached to every result.
What the checker looks for
Three inputs usually settle the first answer.
- State rule pattern and threshold exposure
- Owner-only versus payroll-backed setup
- Carve-out risk that usually triggers a verify step
Clear operator inputs
Business structure, employee count, owner elections, and carve-out risk are all visible in one calm flow.
Source-aware guidance
Every state rule record carries an as-of date and official source links so teams can re-check before they file or renew.
Limits and trust
CompWise is built to reduce panic, not to fake certainty.
- Built for multi-state operators who need a first-pass answer before broker outreach
- Separates changing regulatory data from reusable decision logic
- Prefers Verify over fake certainty when carve-outs get messy
Workers comp is full of threshold rules, owner elections, and contract-driven edge cases. That is exactly why the tool is conservative. When the facts are clear, it tells you coverage is likely required. When the facts are owner-only, it tells you the business may be exempt. And when the inputs hit carve-out territory, it tells you to verify before you treat that answer as final.