Washington D.C. Workers Comp Insurance

With limited exceptions, every employer in the District of Columbia with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. Although most companies in DC purchase a traditional commercial insurance policy, there are alternative methods of coverage which include licensing as a self insurer, gaining membership in a self insurance group, or obtaining coverage in the Assigned Risk Pool.

DC Workers Comp Insurance Specific Regulations

• Full and part-time employees working in Washington D.C. must have coverage
• If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
• Washington D.C. offers private insurance from any licensed carrier and offers an assigned risk pool which will help businesses struggling to secure coverage
• Sole Proprietors or partners are excluded from coverage, but have the option to include themselves
• Corporate officers or members of LLCs are included in Washington D.C., but have the option to exclude themselves
• Licensed real estate salespeople or real estate brokers may be able to opt out of coverage
• Full and part-time employees working in Washington D.C. must have coverage
• If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
• Washington D.C. offers private insurance from any licensed carrier and offers an assigned risk pool which will help businesses struggling to secure coverage
• Sole Proprietors or partners are excluded from coverage, but have the option to include themselves
• Corporate officers or members of LLCs are included in Washington D.C., but have the option to exclude themselves
• Licensed real estate salespeople or real estate brokers may be able to opt out of coverage