Workers comp market structure, paid leave law, and PEO buying considerations vary materially by state. These quick guides cover what changes when you cross state lines.
In these states, workers compensation must be purchased from the state fund — private carriers cannot write WC coverage. PEO arrangements work differently here.
Monopolistic comp — state fund only
Ohio (OH)Monopolistic comp — state fund only
Washington (WA)Monopolistic comp — state fund only
Wyoming (WY)Monopolistic comp — state fund only
These states have active state-administered paid family/medical leave benefits.
Active PFML program
Colorado (CO)Active PFML program
Connecticut (CT)Active PFML program
District of Columbia (DC)Active PFML program
Massachusetts (MA)Active PFML program
New Jersey (NJ)Active PFML program
New York (NY)Active PFML program
Oregon (OR)Active PFML program
Rhode Island (RI)Active PFML program
Washington (WA)Active PFML program
Birmingham, Huntsville, Mobile
Alaska (AK)Anchorage, Fairbanks, Juneau
Arizona (AZ)Phoenix, Tucson, Mesa
Arkansas (AR)Little Rock, Fayetteville, Fort Smith
California (CA)Los Angeles, San Diego, San Francisco
Colorado (CO)Denver, Colorado Springs, Aurora
Connecticut (CT)Bridgeport, New Haven, Stamford
Delaware (DE)Wilmington, Dover, Newark
District of Columbia (DC)Washington, Capitol Hill, Georgetown
Florida (FL)Jacksonville, Miami, Tampa
Georgia (GA)Atlanta, Augusta, Columbus
Hawaii (HI)Honolulu, Hilo, Kailua
Idaho (ID)Boise, Meridian, Nampa
Illinois (IL)Chicago, Aurora, Joliet
Indiana (IN)Indianapolis, Fort Wayne, Evansville
Iowa (IA)Des Moines, Cedar Rapids, Davenport
Kansas (KS)Wichita, Overland Park, Kansas City
Kentucky (KY)Louisville, Lexington, Bowling Green
Louisiana (LA)New Orleans, Baton Rouge, Shreveport
Maine (ME)Portland, Lewiston, Bangor
Maryland (MD)Baltimore, Columbia, Germantown
Massachusetts (MA)Boston, Worcester, Springfield
Michigan (MI)Detroit, Grand Rapids, Warren
Minnesota (MN)Minneapolis, Saint Paul, Rochester
Mississippi (MS)Jackson, Gulfport, Southaven
Missouri (MO)Kansas City, Saint Louis, Springfield
Montana (MT)Billings, Missoula, Great Falls
Nebraska (NE)Omaha, Lincoln, Bellevue
Nevada (NV)Las Vegas, Henderson, Reno
New Hampshire (NH)Manchester, Nashua, Concord
New Jersey (NJ)Newark, Jersey City, Paterson
New Mexico (NM)Albuquerque, Las Cruces, Rio Rancho
New York (NY)New York, Buffalo, Rochester
North Carolina (NC)Charlotte, Raleigh, Greensboro
North Dakota (ND)Fargo, Bismarck, Grand Forks
Ohio (OH)Columbus, Cleveland, Cincinnati
Oklahoma (OK)Oklahoma City, Tulsa, Norman
Oregon (OR)Portland, Salem, Eugene
Pennsylvania (PA)Philadelphia, Pittsburgh, Allentown
Rhode Island (RI)Providence, Cranston, Warwick
South Carolina (SC)Charleston, Columbia, Greenville
South Dakota (SD)Sioux Falls, Rapid City, Aberdeen
Tennessee (TN)Nashville, Memphis, Knoxville
Texas (TX)Houston, San Antonio, Dallas
Utah (UT)Salt Lake City, West Valley City, Provo
Vermont (VT)Burlington, Essex, South Burlington
Virginia (VA)Virginia Beach, Norfolk, Chesapeake
Washington (WA)Seattle, Spokane, Tacoma
West Virginia (WV)Charleston, Huntington, Morgantown
Wisconsin (WI)Milwaukee, Madison, Green Bay
Wyoming (WY)Cheyenne, Casper, Laramie
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Operate across multiple states? We match buyers to PEOs that actually write coverage in your state mix — not just the easy states.
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