Au Pair Insurance by State
Workers' compensation requirements vary by state. Find out what's required where you live.
19
States Require Workers' Comp
32
States Where It's Optional
50
States Require Auto Insurance
States Requiring Workers' Comp
Alaska
Any household employee
California
Any household employee
CA has strict requirements. All household employers must carry workers' comp.
Connecticut
$1,000+ in wages per quarter
District of Columbia
240+ hours per quarter
DC metro area - check VA/MD requirements if au pair works across state lines.
Hawaii
Any household employee
Iowa
$1,500+ in wages per quarter
Kansas
$20,000+ annual payroll
Massachusetts
16+ hours per week
Most au pairs work 45 hours/week, so workers' comp is almost always required.
Michigan
35+ hours/week for 13+ weeks
Minnesota
$1,000+ in wages per quarter
New Hampshire
Any household employee
New Jersey
Any household employee
NJ strictly enforces household employer requirements.
New York
Any household employee
NY requires workers' comp + disability insurance for household employees.
Ohio
Any household employee
Oklahoma
Any household employee
South Carolina
$3,000+ annual payroll
South Dakota
$20,000+ annual payroll or 20+ hrs/week
Utah
$1,000+ in wages per quarter
Washington
Any household employee (40+ hrs/quarter)
States Where Workers' Comp Is Optional
Even in these states, we recommend workers' comp coverage to protect yourself from liability.
Alabama
Not required for household employees
Arizona
Household employers exempt
Arkansas
Household employers exempt
Colorado
Household employers exempt
Delaware
Household employers exempt
Florida
Household employers exempt
Georgia
Household employers exempt
Idaho
Household employers exempt
Illinois
Household employers exempt
Indiana
Household employers exempt
Kentucky
Household employers exempt
Louisiana
Household employers exempt
Maine
Household employers exempt
Maryland
Household employers exempt but recommended
Mississippi
Household employers exempt
Missouri
Household employers exempt
Montana
Household employers exempt
Nebraska
Household employers exempt
Nevada
Household employers exempt
New Mexico
Household employers exempt
North Carolina
Household employers exempt
North Dakota
Household employers exempt
Oregon
Household employers generally exempt
Pennsylvania
Household employers exempt
Rhode Island
Household employers exempt
Tennessee
Household employers exempt
Texas
Workers' comp not required for any employer in TX
Vermont
Household employers exempt
Virginia
Household employers exempt
West Virginia
Household employers exempt
Wisconsin
Household employers exempt
Wyoming
Household employers exempt
Detailed State Guides
In-depth guides for major states with specific requirements and tips:
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