District of Columbia

Buying workers’ compensation for:

District of Columbia

State Fund: No

Insurance Coverage Requirements: Workers’ Compensation is compulsory in District of Columbia, waivers are not permitted.

Who is Required to Purchase Workers’ Compensation Coverage?

Employers are required to have Workers’ Compensation insurance coverage if they have 1 or more employees.

Factors that Impact Coverage

  • You are a sole proprietor or partner: In D.C., you are excluded from coverage, but you have the option to include yourself by an endorsement to the policy.
  • You are a corporate officer or member of an LLC: D.C. includes you, but you have the option to exclude yourself.
  • You are a licensed real estate salesperson or real estate broker: You may have the option to opt out of coverage.

Failure to Secure Compensation

Any employer required to secure the payment of compensation under this chapter who fails to secure such compensation shall be assessed a civil fine of not less than $1,000 and not more than $10,000; and in any case where such employer is a corporation, the president, secretary, and treasurer thereof shall be also severally liable to such fine as herein provided for the failure of such corporation to secure the payment of compensation; and such president, secretary, and treasurer shall be severally and personally liable, jointly with such corporation, for any compensation or other benefit which may accrue under the chapter in respect to any injury which may occur to any employee or such corporation while it shall so fail to secure the payment of compensation as required by § 32-1534.

Proof of Coverage is Required

The notice is to be posted conspicuously in and about employer’s place(s) of business.

Independent Contractors

Mistakenly classifying an employee as an independent contractor can result in significant fines and penalties.

View 20 factors used by the IRS and our independent contractor questionnaire to determine whether you have enough control over a worker to be an employer.

Key Resources

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.