The employee threshold varies by state. Louisiana has the strictest requirement at just 1 employee. Georgia and North Carolina require coverage at 3 employees. Mississippi, Alabama, and Tennessee (non-construction) require coverage at 5 employees. Florida uses industry-based thresholds: 1 for construction, 4 for non-construction, and 6 for agriculture.
All states count full-time, part-time, and seasonal workers toward the threshold. If your business operates across multiple states, you may need to comply with different requirements in each state. Contact Bridgeway Insurance for multi-state coverage guidance.
