States We Serve

We are licensed in 28 jurisdictions. These guides go deeper on the jurisdictions where employment and management liability exposure differs most from the federal baseline — what the state statute actually reaches, what drives claims locally, and how we structure coverage around it.

AL

Alabama

For Alabama employers, workplace allegations, nonprofit board decisions, data incidents and benefit-plan responsibilities should be evaluated separately rather than bundled under one assumption about liability.

AZ

Arizona

The Arizona Civil Rights Act applies at fifteen or more employees, while the Employment Protection Act narrows wrongful discharge theories.

CA

California

FEHA reaches smaller employers than federal law, offers remedies federal law caps, and sits alongside the most active wage-and-hour regime in the country.

CO

Colorado

Colorado employers should connect employment rules, information-security obligations and retirement-plan administration to the policy language they buy, especially when workers are distributed across locations.

CT

Connecticut

The Connecticut Fair Employment Practices Act reaches very small employers, and the state layers mandatory harassment training on top of it.

DE

Delaware

A small employment market attached to the country's most important corporate law jurisdiction — which makes D&O structuring the headline issue here.

DC

District of Columbia

The DC Human Rights Act is among the broadest anti-discrimination laws in the country, with an unusually long list of protected traits and no small-employer carve-out.

FL

Florida

State law tracks federal standards closely, but heavy small-business formation, seasonal hiring, and hurricane-driven operations keep claim frequency high.

GA

Georgia

Georgia offers limited state-level employment protection, so nearly all significant claims proceed under federal law.

IL

Illinois

Illinois organizations need a coordinated review of employment charges, board oversight, sensitive information and benefit-plan duties, with special care not to confuse a state filing window with a policy’s reporting deadline.

IN

Indiana

The Indiana Civil Rights Law provides narrower remedies than federal law, so most damages claims proceed federally.

KS

Kansas

The Kansas Act Against Discrimination tracks the federal framework closely, which makes carrier form differences the main variable.

KY

Kentucky

The Kentucky Civil Rights Act reaches employers with eight or more employees, below the federal discrimination threshold.

MD

Maryland

State law extends beyond the federal baseline in several respects, and county-level requirements add another layer around the Washington and Baltimore corridors.

MA

Massachusetts

Chapter 151B requires an MCAD filing before suit, and the separate Wage Act carries mandatory treble damages.

MI

Michigan

The Elliott-Larsen Civil Rights Act is Michigan's central employment statute and now expressly covers sexual orientation and gender identity.

MO

Missouri

Missouri management liability planning should separate Human Rights Act employment allegations, nonprofit director protections, data-breach response and the duties retained by employee-benefit plan sponsors.

NV

Nevada

NRS Chapter 613 reaches smaller employers than federal law and carries specific pregnancy accommodation obligations.

NJ

New Jersey

The Law Against Discrimination is one of the broadest employment statutes in the country, and New Jersey juries hear these cases regularly.

NY

New York

The State Human Rights Law now reaches employers of every size and applies a lower standard to harassment claims than federal law.

NC

North Carolina

North Carolina remains strongly at-will with narrower state remedies, so most exposure runs through federal law and REDA retaliation claims.

OH

Ohio

The Employment Law Uniformity Act reshaped how Ohio discrimination claims are filed and pursued, changing the practical litigation path.

PA

Pennsylvania

State law tracks federal standards more closely than its neighbors, but local ordinances and a strong small-business base still generate steady claim volume.

SC

South Carolina

The South Carolina Human Affairs Law reaches employers below the federal headcount threshold and is administered through a state commission.

TN

Tennessee

Tennessee employers and nonprofits should review workplace complaints, governance demands, incident response and benefit-plan responsibilities using current agency guidance and the terms of each insurance contract.

TX

Texas

The state labor code follows federal standards closely, but scale, growth, and a large contractor economy generate substantial claim volume.

VT

Vermont

Vermont's Fair Employment Practices Act protects a broad list of characteristics and reaches employers of essentially any size.

VA

Virginia

The Virginia Values Act substantially expanded state employment protections and opened a direct route to court that did not previously exist.

These pages are general information about state employment and management liability topics, not legal advice. Employment law changes — consult qualified counsel about your situation.

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