| For School Administrators |
| United States only |
| Workers' Compensation Insurance |
| We are NOT lawyers but here are comments from people who are |
| Check with your state agency and a knowledgeable local attorney |
| The definition: a form of insurance providing wage replacement and medical benefits to |
| employees injured in the course of employment in exchange for mandatory relinquishment |
| of the employee's right to sue their employer for the tort of negligence. Very complicated. |
| North Dakota - All employers must have workers’ compensation insurance for all employees (part-time, full-time, or seasonal) before hiring. Sole proprietors, partners, and corporate officers have the option to cover themselves, but can choose not to. The only workers’ compensation insurance available in North Dakota is through the state-administered fund. Self-insurance and private insurance are not permitted - see North Dakota Workforce Safety and Insurance |
| Ohio - All employers with one or more employees must carry workers’ compensation insurance. Coverage is optional for sole proprietors and individuals incorporated as a corporation (with no employees). The only workers’ compensation insurance option in Ohio is through the state-administered fund. Self-insurance and private insurance are not permitted - see Ohio Bureau of Workers’ Compensation |
| Oklahoma- All employers, even those with one part-time employee, must carry workers’ compensation insurance. Sole proprietors, LLCs, partners, and corporate officers can choose to cover themselves or be excluded. Purchased from a commercial provider or Oklahoma’s state-administered fund. Approved businesses may self-insure - see Oklahoma Workers’ Compensation Commission |
| Oregon - Employers with one or more employees must carry workers’ compensation insurance. Sole proprietors can purchase coverage for themselves, but are not required to. Purchased from a commercial provider or Oregon’s state-administered fund. Approved businesses may self-insure - see Oregon Workers’ Compensation Division |
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