Workers comp thresholds vary by state:
- Mississippi: Required at 5+ employees (chiropractic practice can elect in with fewer)
- Alabama: Required at 5+ employees
- Louisiana: Required at 1+ employee (any paid staff)
- Florida: Required at 4+ employees (construction = 1+)
- Tennessee: Required at 5+ employees
- North Carolina: Required at 3+ employees
- Georgia: Required at 3+ regular employees
Even where not mandatory, Bridgeway recommends workers comp when you employ even one CA, LMT, or front-desk person. A single on-the-job back injury treated out-of-pocket averages $12,000–$45,000, which dwarfs annual premium ($300–$1,200 for a single-staff chiropractic clinic).
State-specific workers comp rates and class codes:
