States We Serve

We are licensed in 23 states. 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.

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.

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.

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.

VA

Virginia

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

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.

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.

FL

Florida

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

TX

Texas

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

CT

Connecticut

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

VT

Vermont

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

OH

Ohio

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

MI

Michigan

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

KS

Kansas

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

NC

North Carolina

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

SC

South Carolina

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

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.

GA

Georgia

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

KY

Kentucky

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

MA

Massachusetts

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

IN

Indiana

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

NV

Nevada

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

AZ

Arizona

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

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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