Workers' Compensation Resources & Research

State offices listed alphabetically or select from a map.

Links to state offices and publications.

This site shows the NCCI State Map. This map is a convenient reference of states whose insurance departments have designated NCCI as the licensed rating and statistical organization. You can access additional state resources below in the Related Links sections.

Workers' Compensation insurance is regulated on a State-by-State basis, and so there can be important differences in the way employers handle their Workers' Compensation exposures in various states, and important differences in how premiums are calculated. Here are some details, state by state, with links to important regulatory agencies.

The American Association of State Compensation Insurance Funds, or AASCIF, is an association of workers' compensation insurance companies from 26 different states, plus 8 workers' compensation boards in Canada. In the US, these companies--loosely referred to as state funds--each specialize in writing workers' compensation insurance in a single state. Some of these companies operate as private insurance companies, whereas others act as agencies of their respective state governments.

The Workers' Compensation Division is responsible for the administration of the Alabama Workers' Compensation Law to ensure proper payment of benefits to employees injured on the job and encourage safety in the work place.

The Division of Workers’ Compensation is the agency charged with the administration of the Alaska Workers’ Compensation Act (Act). The Act provides for the payment by employers or their insurance carriers of medical, disability and reemployment benefits to injured workers.

The Industrial Commission of Arizona is the agency that administers and enforces state laws relating to the protection of life, health, safety and welfare of Arizona's employees. This includes laws relating to workers' compensation, occupational safety and health, payment of wages, and child labor.

The Mission of the Arkansas Workers' Compensation Commission is to provide a fair, efficient, and professional public agency to serve the people of Arkansas by administering actions required or authorized by Arkansas workers' compensation law.

The Division of Workers' Compensation (DWC) monitors the administration of workers' compensation claims, and provides administrative and judicial services to assist in resolving disputes that arise in connection with claims for workers' compensation benefits.

Established in 1914 by the state legislature, State Fund is California’s largest provider of workers’ compensation insurance and a vital asset to California businesses. State Fund supports California’s entrepreneurial spirit and plays a stabilizing role in California’s economy by maintaining an open door policy ensuring all employers have a strong and stable option for their workers’ compensation needs. The California State Fund is the largest state fund for workers' compensation in th

The Workers Compensation Insurance Rating Bureau of California (WCIRB) is a California unincorporated, private, nonprofit association comprised of all companies licensed to transact workers' compensation insurance in California, and has over 400 member companies. No state money is used to fund its operations. The operations of the WCIRB are funded primarily by membership fees and assessments.

Pinnacol was established as the assured source of workers' comp coverage for Colorado companies, regardless of their size or risk — a role we continue to fill today. Over the years, we've grown from industry pioneer to Colorado's choice for workers' compensation. Today, approximately 55,000 customers across Colorado have made Pinnacol their carrier of choice.

The Workers’ Compensation Commission (WCC) administers the workers’ compensation laws of the State of Connecticut with the ultimate goal of ensuring that workers injured on the job receive prompt payment of lost work time benefits and attendant medical expenses.

The Office of Workers' Compensation administers and enforces state laws, rules and regulations regarding industrial accidents and illnesses.

The Delaware Compensation Rating Bureau, Inc. (DCRB) and the Pennsylvania Compensation Rating Bureau (PCRB). These Bureaus are the licensed rating organizations for workers compensation insurance in their respective states.

The Workers' Compensation Program processes claims and monitors the payment of benefits to injured private-sector employees in the District of Columbia. The office mediates disputes between claimants and employers (or their insurance carriers), and monitors employers to ensure compliance with insurance coverage requirements.

The mission of the Division is to actively ensure the self-execution of the workers’ compensation system through educating and informing all stakeholders in the system of their rights and responsibilities, compiling and monitoring system data, and holding parties accountable for meeting their obligations.

The Georgia State Board of Workers' Compensation is committed to making the workers' compensation system in Georgia one that is fair and responsive to workers and businesses throughout the state.

The Disability Compensation Division (DCD) administers: the Workers' Compensation (WC) law, the Temporary Disability Insurance (TDI) law, and the Prepaid Health Care (PHC) law. All employers with one or more employees, whether working full-time or part-time, are directly affected.

HEMIC will enhance the economy of the State of Hawaii by stabilizing the workers' compensation market and by providing competitive pricing and exceptional service. HEMIC will be competitive in the voluntary market emphasizing superior service, competitive pricing and innovative business applications. HEMIC will serve small employers through operational efficiency, specialized service delivery and competitive pricing.

The Industrial Commission is the agency responsible for: regulating workers' compensation activities in Idaho, including companies licensed to issue workers' compensation policies.

The State Insurance Fund was created by the Idaho Legislature in 1917 as part of the Workers Compensation Act. This act created the State Insurance Fund for the purpose of providing a reliable source of workers compensation insurance for Idaho employers and to provide security for the payment of benefits to covered workers. The law provides for the State Insurance Fund to be self-supporting from premium and investment earnings.

Workers' compensation is a no-fault system of benefits paid by employers to workers who experience job-related injuries or diseases. The Commission operates the state court system for workers' compensation cases. A case is first tried by an arbitrator, whose decision may be reviewed by a panel of three commissioners.

The mission of the board is to provide efficient dispute resolution for injured workers and employers by administering both formal adjudication and informal dispute resolution services; to serve the public by answering inquiries regarding the Indiana Worker's Compensation system; and to collect statistical information regarding workplace injuries in Indiana.

The Indiana Compensation Rating Bureau (ICRB) is a private non-profit, unincorporated association of all insurance companies licensed to write workers compensation insurance in Indiana. The ICRB is a statutory rating organization as set forth in Chapter 27-7-2 of the Indiana Insurance Laws.

The Workers’ Compensation Act is a part of the Iowa Code designed to provide certain benefits to employees who receive injury (85), occupational disease (85A) or occupational hearing loss (85B) arising out of and during the course of their employment. Benefits are payable regardless of fault and are the exclusive remedy of the employee against the employer.

The mission of the Kansas Department of Labor is to advance the economic well being of all Kansans through responsive workforce services.

The Department of Workers' Claims is the agency primarily charged with the administration of the Kentucky program and has exclusive jurisdiction over workers' compensation claims.

Kentucky Employers’ Mutual Insurance (KEMI) is the largest provider of workers’ compensation insurance in Kentucky, providing coverage to more than 20,000 policyholders in all 120 counties of the state.

It is the mission of the Louisiana Workforce Commission to lead the development of the system that delivers the workforce Louisiana’s current and future employers need.

LWCC is Louisiana's largest workers' compensation carrier, providing coverage to approximately 18,000 policyholders. We are a private, nonprofit mutual insurance company that revitalized a workers' comp system on the verge of collapse and have continued to provide much-needed stability in Louisiana. While other carriers will come and go as market conditions fluctuate, LWCC will always be here to meet the needs of Louisiana businesses and their hard-working employees.

The general mission of the Maine Workers' Compensation Board is to serve the employees and employers of the State fairly and expeditiously by ensuring compliance with the workers' compensation laws, ensuring the prompt delivery of benefits legally due, promoting the prevention of disputes, utilizing dispute resolution to reduce litigation and facilitating labor-management cooperation.

Maine Employers' Mutual Insurance Company (MEMIC) is a private mutual insurance company that opened for business in January 1993. MEMIC was, and remains, the keystone to the landmark 1992 reforms of Maine workers' compensation law passed by the Maine Legislature and signed by then - Gov. John R. McKernan.

The Maryland Workers’ Compensation Commission seeks
to secure the equitable and timely administration of the
provisions of the Maryland Workers’ Compensation Law on
behalf of its customers, the injured worker and their
employers by providing an efficient and effective forum for
the resolution of individual claims.

The Injured Workers' Insurance Fund (IWIF) has specialized in providing workers' compensation insurance to Maryland businesses since 1914.

The Department of Industrial Accidents (DIA) is committed to serving their constituents well and to make sure the system is as efficient and user-friendly as possible.

The Bureau is a private non-profit unincorporated association of insurers that is licensed by the Massachusetts Division of Insurance as a rating organization for workers' compensation insurance in Massachusetts. We have been serving the needs of insurers, regulators, insurance agents and employers in Massachusetts since 1915.

The Michigan Workers' Compensation Agency provides prompt, courteous and impartial service to all customers with timely and objective administration of their rights and responsibilities under the Workers' Disability Compensation Act.

The mission of the Compensation Advisory Organization of Michigan is to enhance the Michigan Workers' Compensation System through customer service, education and the administration of the Michigan Workers' Compensation Placement Facility.

The Minnesota Department of Labor and Industry is committed to ensuring equitable, healthy and safe work and living environments in Minnesota. Our goals are geared toward reducing and minimizing the impact of workplace injuries and illnesses; helping resolve workplace complaints and disputes; ensuring compliance and awareness about workplace requirements; and assuring quality construction, operation and maintenance of structures.

SFM is the leading workers' compensation insurer in the Midwest (including Minnesota), serving businesses of all sizes and types for more than 25 years.

MWCIA is the preferred Minnesota Data Service Organization (DSO) for quality workers compensation data collection, analysis and products.

Our goal is to provide the public with useful information regarding Workers' Compensation in the State of Mississippi.

The Missouri Division of Workers' Compensation administers the programs providing services to all stake holders including workers who have been injured on the job or been exposed to occupational disease arising out of and in the course of employment.

Since opening our doors in 1995, MEM has been committed to promoting safe, healthy and injury-free workplaces. Through our WorkSAFE program we’ve put our loss prevention expertise, safety education and training to work for our policyholders. And it’s paid off. More than 80 percent of our 12,000 policyholders are injury-free in a typical year.

The Division provides a wide variety of service and regulation related to the employer – employee relationship. This includes issues involving workers' compensation coverage and claims, human rights claims, workplace safety and health, wage and hour claims, prevailing wage claims, and public sector collective bargaining.

The Division of Industrial Relations promotes and enforces safety in the workplace. Should injury occur, the Division ensures the timely and appropriate delivery of benefits.

Since January 1, 2000, Nevada no longer provides workers’ compensation through a State fund. However, employers may obtain workers’ compensation insurance from a private insurance company authorized to provide workers’ compensation in Nevada by the Division of Insurance (DOI). If qualified, an employer may be self-insured through an approval process overseen by the DOI.

The Workers' Compensation Division of the New Hampshire Department of Labor was created in 1947 with the passage of RSA 281. This law requires employers to provide no fault workers' compensation insurance coverage for employees in case of accidental injury, death of occupational disease, "arising out of and in the course of employment."

Workers' compensation provides medical treatment, wage replacement and permanent disability compensation to employees who suffer job-related injuries or illnesses, and death benefits to dependents of workers who have died as a result of their employment.

Establish and maintain rules, regulations and premium rates for workers compensation and employers liability insurance. Adopt means for assuring uniform and accurate audit of payrolls as they relate to workers compensation insurance. Encourage employers to reduce the number and severity of accidents by adjusting premiums through the use of credits and debits under a uniform system of experience rating.

The New Mexico Workers' Compensation Administration provides many programs and services to employers, workers, insurance carriers and self-insured businesses, health care providers, and related organizations. Please visit the sections listed below to learn more about the services provided by the WCA.

As part of New Mexico's workers' compensation reform in 1991, the State Legislature created New Mexico Mutual under the Employers' Mutual Company Act. New Mexico Mutual's focus was to stabilize the workers' compensation insurance market in the state by offering New Mexico employers affordable and competitive workers' compensation coverage. Over sixteen years later, New Mexico Mutual is the largest provider of workers' compensation insurance in the state, insuring close to 30% of the insured comp

The New York State Workers' Compensation Board protects the rights of employees and employers by ensuring the proper delivery of benefits to those who are injured or ill, and by promoting compliance with the law.

NYSIF is a full-service, competitive insurance carrier specializing in both workers’ compensation (on-the-job injuries and illnesses) and disability benefits (off-the-job injuries and illnesses) insurance in the state of New York.

The New York Compensation Insurance Rating Board (NYCIRB) is a non-profit, unincorporated association of insurance carriers, including the State Insurance Fund. In conjunction with the New York Workers' Compensation Law, the Insurance Law provides for the Superintendent of Insurance to designate a rate service organization to collect the loss, premium and payroll data from each carrier, summarize this information and develop an adequate rate structure.

The North Carolina Industrial Commission strives to effectively and fairly administer the Workers’ Compensation Act and Tort Claims Act for the State of North Carolina and its citizens.

North Carolina Rate Bureau (NCRB) is a non-profit, unincorporated rating bureau created by the General Assembly of North Carolina under the provisions of Article 36 of Chapter 58 of the General Statutes of North Carolina on September 1, 1977. NCRB provides services and programs for the insurance industry in North Carolina for automobile, property and workers compensation.

We believe that every worker deserves a safe work environment, and every employer deserves to have healthy workers safely on the job without the risk of workplace injury. That’s why we concentrate on putting safety to work. We are committed to making North Dakota workplaces the safest in the nation.

Ohio's workers' compensation system has helped employers and employees cope with workplace injuries by providing medical and compensation benefits for work-related injuries, diseases and deaths.

The Oklahoma Workers' Compensation Court applies the law as set out in the Oklahoma Workers' Compensation Act. Its responsibility is to provide fair and timely procedures for the resolution of disputes and identification of issues involving on-the-job injuries. To this end we dedicate ourselves to carry out this responsibility and to serve the public promptly, courteously and impartially.

CompSource Oklahoma is one of the largest workers’ compensation insurance carriers in the state, serving approximately 26,000 businesses and government agencies. We insure thousands of Oklahoma companies and provide coverage benefits for tens of thousands of Oklahoma employees.

The Workers' Compensation Division (WCD) is the state agency that administers and regulates laws and rules that impact the participants in the Oregon workers' compensation system.

DCBS is Oregon's largest regulatory agency. The department administers state laws and rules and protects consumers and workers in the areas of workers' compensation, occupational safety and health, financial services, insurance, and building codes.

SAIF Corporation is Oregon's not-for-profit, state-chartered workers' compensation insurance company. We are the market leader, issuing almost half of the policies in Oregon and providing coverage to more than 600,000 workers.

L&I administers benefits to unemployed individuals, oversees the administration of workers' compensation benefits to individuals with job related injuries, and provides vocational rehabilitation to individuals with disabilities.

SWIF was established by law to provide a quality workers' compensation program for Pennsylvania businesses that choose the Fund to meet their required obligation under the Workers' Compensation Act, and to contribute to a progressive, stable workers' compensation market in Pennsylvania.

The Delaware Compensation Rating Bureau, Inc. (DCRB) and the Pennsylvania Compensation Rating Bureau (PCRB). These Bureaus are the licensed rating organizations for workers compensation insurance in their respective states.

We are deeply committed to serving all the injured workers that have suffered accidents at their workplace. As an Administrative Agency whose function is to revise the decisions that are emitted by the Puerto Rico State Insurance Fund.

The Division of Workers' Compensation monitors the workers' compensation system, ensuring that appropriate documents are filed to protect injured workers and employers, that claims are paid correctly, that all required employers have insurance coverage, and that insurance carriers report policy information to the Division.

Beacon Mutual Insurance Company is a non-assessable mutual insurance company chartered by the State of Rhode Island. We are now the largest writer of workers' compensation insurance, as well as the largest writer of commercial insurance (property casualty) in Rhode Island. We are financially secure, with over $450 million in admitted assets. Excess surplus is returned to policyholders in the form of lower premiums and/or dividends.

The Workers’ Compensation Commission is dedicated to serving employers and workers in the most fair, responsive, and timely manner possible. We are here to serve you.

The South Carolina State Accident Fund is the leading provider of workers' compensation insurance in South Carolina. Since 1943, SAF has provided a continuous, guaranteed source of cost effective workers' compensation coverage. Today we serve nearly 700 employers and 200,000 employees throughout the state.

The South Dakota Workers' Compensation program is an insurance program that pays medical and disability benefits for work-related injuries and diseases.

The Tennessee Department of Labor and Workforce Development administers the workers' compensation system and promote a better understanding of the program's benefits by informing employees and employers of their rights and responsibilities.

The Texas Department of Insurance, Workers’ Compensation is a state agency that regulates the delivery of workers’ compensation benefits to injured employees and to eligible family members of employees killed on the job.

Texas Mutual is the state's leading provider of workers' comp insurance. With loss prevention services, effective claim management, group purchase programs, our health care network and return-to work programs, we're on the job so you can be, too.

WCF has insured Utah employers since 1917. WCF is a non-profit mutual insurance company managed by a board of directors. WCF is financed entirely by premium payments from customers and investment income.

The Vermont Department of Labor administers and regulates laws and rules that impact the participants in the Vermont workers' compensation system.

The Commission is charged with administering Virginia's workers' compensation program, which applies to most employers doing business in Virginia and most employees working in Virginia.

The main purposes of the WCA is to minimize the adverse impact of work-related injuries on the employees and employers of the territory.

The West Virginia Offices of the Insurance Commissioner regulates the state's insurance industry, focusing on consumers' needs for available and affordable insurance products offered by financially viable companies or directly through knowledgeable producers.

The Worker's Compensation Act provides for payment of reasonable medical expenses and compensation for lost wages resulting from work-related injuries or disabilities.

The Wisconsin Compensation Rating Bureau (WCRB) is a licensed rate service organization for worker’s compensation insurance created by Wisconsin law. It is responsible for the classification of employers, the rates and rating plans used, all policy forms and endorsements, and the collection and analysis of all statistical and other data needed to meet its responsibilities. The WCRB also administers the Wisconsin Worker’s Compensation Insurance Pool.

The Wyoming Department of Employment administers and regulates laws and rules that impact the participants in the Wyoming workers' compensation system.