COMPLIANCE GUIDES
COI requirements, state by state.
Reference summaries of state-by-state certificate-of-insurance rules — minimum auto liability, workers' comp thresholds, anti-indemnity statutes, and the quirks that trip up out-of-state insureds. Written for commercial-lines agencies and not a substitute for legal advice.
BY STATE
PA
Pennsylvania
Construction Workplace Misclassification Act
NC
North Carolina
Sub-contractor WC liability roll-up
CA
California
Labor Code §3700 — strict WC enforcement
TX
Texas
Nonsubscriber risk
FL
Florida
Construction WC threshold of 1 employee
NY
New York
Labor Law §240/241 (Scaffold Law)
IL
Illinois
Kotecki waivers
GA
Georgia
3-employee WC threshold
More state guides coming. Need one prioritized? Send us a note.