Short answer: In many states, yes — including New Jersey, New York, Pennsylvania, California and others that require coverage from the first employee. Some states set higher thresholds, and Texas makes it optional for most private employers.

The details

Part-time employees usually count.

Check your state’s rule before you hire.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: state guides · workers’ comp.

More questions: Does salon insurance cover microblading? · Does salon insurance cover data breaches? · What is an occurrence policy?.

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