Who Needs Workers' Comp in District of Columbia?
The District of Columbia requires all employers with one or more employees to carry workers' compensation insurance under the DC Workers' Compensation Act. This applies to all employees including part-time, temporary, and seasonal workers. The District treats workers' comp compliance seriously given the concentration of federal contractors and professional services firms.
Penalties for Non-Compliance
DC imposes civil fines and can require employers to cease operations until coverage is obtained. Uninsured employers face personal liability for all employee injury costs, including medical expenses, lost wages, and disability benefits. The Office of Workers' Compensation actively audits businesses and investigates complaints.
How District of Columbia Rates Work
The District uses NCCI class codes and operates as a competitive market with carriers filing their own rates. Due to DC's concentration of white-collar professional services, many employers fall into lower-risk class codes. However, construction and hospitality businesses face higher rates. Comparing carriers is important as premiums can vary significantly.
Common District of Columbia Class Codes
| Code | Description | Risk Level |
|---|---|---|
| 8810 | Clerical Office Employees | Low |
| 8832 | Professional Services | Low |
| 8742 | Outside Salespersons | Low |
| 8601 | Accounting Firms | Low |
| 9012 | Hotels NOC | Medium |
| 5403 | Carpentry NOC | Medium-High |
| 5551 | Roofing — All Kinds | High |