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: Misclassification can lead to expensive audits and penalties.

: Requirements vary by state. Most mandate coverage as soon as you hire your first employee, but some have thresholds based on employee count or industry. buy workers comp

: If private insurers decline your business due to high risk, you can apply through a state's "assigned risk" pool or state fund. 3. Information Needed for a Quote To get an accurate quote, have the following details ready: Employer Identification Number (EIN) . Total Annual Payroll : Estimated for the upcoming year. : Misclassification can lead to expensive audits and