New Mexico

Employers with three or more employees are required to carry workers compensation insurance through a New Mexico workers compensation policy or a New Mexico certified self-insurance program. Employers in the construction industry, however, must carry coverage regardless of the number of employees. If you carry coverage you are required to post Workers Compensation Act posters and provide Notice of Accident forms where your workers can see them. Also, failure to provide proper safety equipment and procedures resulting in injury may entitle the injured worker to extra benefits to be paid by you directly.

Employers of domestic servants, real estate salespersons and farm/ranch workers are exempt from providing workers compensation insurance. However, these employers may elect to purchase coverage.

Employers in the construction field are required to have workers compensation insurance coverage, regardless of the number of employees. Non-construction employers with only one or two workers may choose whether or not to obtain coverage.